vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates account # XXXX was already proven to be illegitimate and deleted by all other credit reporting agencies except for experian. 15 U.S.C states that a thorough investigation must be conducted by the reporting agency and any and all misinformation or lack of verified information, must result in this account being deleted from my credit report. As also 15 U.S.C also states that credit reporting agencies have a obligation to accurate and fair credit reporting as I also have a LEGAL RIGHT to privacy and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I got a title loan in 2020. I was NEVER told the loan needed to be paid in full within 30 days. Needless to say I have been making payments on this XXXX loan for over 2 years. I pay over 200 per month and they make me " sign renewal forms '' every month. They told me I would make monthly payments on paying it back NEVER saying within a 30 day time frame. I have paid OVER 5000 $ $ on a XXXX loan so far. I can NOT afford to pay the lump sum. The APR Is XXXX XXXX. What can I do? Is this even legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I was shopping for XXXX XXXX online and I clicked on what I thought was their website. It was a fake, phony website set up to look exactly like their site. This is the site XXXX XXXX XXXX It had all the same shoes and they appeared to be on sale. I was going to buy 2 pairs for myself and 1 for my Dad. 

I went to check out and it sent me to PayPal. Upon reflection, I thought that was strange and it was the only way to pay. I submitted payment and then I realized it was a scam as the payee was a foreign name, XXXX XXXX, and the website did not reflect any payment confirmation it only stayed the same. The PayPal transaction ID # is XXXX. 

I tried to recoup the funds immediately from PayPal but they wouldn't allow me to cancel the transaction or recoup my money as they said it was a private payee not a company. 

Is there anything you can do to help me recoup my money? It was {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I found out after closing that Caliber included a parcel of land on the XXXX work that was not part of the loan. The loan was a refi of my house which is on a XXXX acre parcel and that is all that was appraised and included in the refi. However, another XXXX acre parcel that i own was mistakenly included in the title work so, it is showing on title search that Caliber has a lien on it as well. I have been trying to get this fixed for almost 2 months. The loan originator, title company and Caliber admit it was an error and have been provided with corrected title work but, still have not filed the correction with my county. This is preventing me from moving forward on a project on my XXXX acre parcel. Every time i call, i am told it has been escalated but, nothing has been done. I was told last week that it would be resolved today but, when I called, i was told it was still in review!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hi, I raised a dispute with Chase on XX/XX/2022 in regards to a hotel room that was cancelled on XX/XX/XXXX through XXXX XXXX travel agency. I initially booked the hotel on XX/XX/2022. I had plans to travel to the XXXX XXXX on XX/XX/2022 and stay until XX/XX/2022. My fiance ended up testing positive for XXXX that morning so we cancelled the hotel reservation soon after. I attempted to get my money back through XXXX XXXX and my agent said she called the hotel and they would not refund any of it. I believe this to be incorrect given it was XXXX related. After dealing with them, I raised the dispute with my credit card ( Chase ) on XX/XX/2022 and they temporarily credited me with the amount ( {$1100.00} ) for the hotel on XX/XX/2022. They sent me a letter stating they were reviewing the dispute and that if there is no response in 2 billing cycles from XX/XX/XXXX, the credit will be permanent. On XX/XX/XXXX, 2 billing cycles had passed and no word from Chase. They didn't contact me until XX/XX/2022 and sent me a letter on XX/XX/2022 confirming that I need to pay the charge, nearly 3 months after putting in the dispute. I gave Chase a call and spoke to a representative who was not of any help. They noted I could escalate within Chase, but likely would be the same outcome/review process. They went past their word of saying after 2 billing cycles, the credit was mine along with not backing up their long standing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with LV funding, XXXXXXXX XXXX XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc.
State: IL

Complaint narrative:
This complaint is regarding the RGS financial account number XXXX, Original Creditor : XXXX XXXX XXXX, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXXXXXX XXXX CT, I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from RGS Financial. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXXXXXX XXXX XXXX, the lady told me, Because you are a graduate student, we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through RGS Financial website regarding any settlement options available, I disclosed that I am a graduate student to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from RGS Financial today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID

Complaint narrative:
I took out an {$800.00} loan. I was unable to pay the amount back in full. I made payment arrangements with them for me to pay online. I thought the date started XX/XX/2022 Ace Cash Express took out the {$800.00} plus {$74.00} fee out of my bank account after I revoked authorization on XX/XX/2022. 

I did not authorize this payment. They did not tell me this would be taken out. 

This caused me financial hardship. 

I attempted to take out another loan through them but only pre-approved for {$300.00} and them denied me for my orevious loan being late even though they broke payment arrangement by taking full amount. 

Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NC

Complaint narrative:
This account is showing on my credit from XXXX XXXX saying I got a loan and I have not I live in NC and payday XXXX XXXX are illegal here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : UNKNOWN RETIRED XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: OR

Complaint narrative:
Since XX/XX/22, fraudulent activity has been happening with my Wells Fargo checking and credit account. Despite numerous " claims '' and investigations, money keeps being withdrawn from my account that Wells Fargo has been unable to prevent. All of the activity is happening in XXXX XXXX with one exception occurring in XXXX. As soon as they offer me any sort of credit, the money is siphoned away. When my checking account is overdrawn from this fraudulent activity, they remove funds ( overdraft ) from my Well Fargo credit account. There were also fraudulent cash advances done on the credit card, but this seems to have stopped. 
I am approaching the month mark of this fraudulent activity occurring and have been living off a separate credit card, hoping this will get resolved. I can not sustain this much longer. It has also been very emotionally upsetting.

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 2022-08-24 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: CA

Complaint narrative:
I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE.

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 2022-08-24 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking at my consumer report, XXXX, Equifax, XXXX and saw a debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of myl information to this company. This debt collection company has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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