vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2023-05-18 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
I have made repeated attempts to access the assistance services that my lender advertises to me. They have the normal deferance, and they have a skip-a-payment program. I've called and talked to a couple of people over the last week, and they say they will send me the paperwork to fill out and submit, but they haven't sent anything, I call back, same thing happens. Meanwhile they have dinged my credit and add on fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
{$19.00} charge on XX/XX/XXXX statement. cleared my bank on XX/XX/XXXX was due XX/XX/XXXX. Synchrony Bank claims XXXX not paid. My bank ( XXXX provided the tracking number of the debit from Synchrony to show that it was paid but they still say we owe them the XXXX, We provided dates by fax with numbers to show it was paid. XXXX letter from Syn. states we still owe the amount. again we prove the money was paid but they say that they can't verify what they did with the! XXXX. So I will still have to pay on my XX/XX/XXXX statement. 
So what is my recourse?

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 monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
several years back we were informed that I XXXX XXXX had a credit card with Barclays at that time I notified Barclays and informed them this was not my account. They had informed me back then that they would close the account and look into it. While we were purchasing our home it came up as a charge off. I notified them again indicating that it is not my card. They were to send me paperwork to fill out and they didn't. to be honest it had totally slipped my mind. Here I am applying for a loan, and it is still on my credit report as a charge off however it is not my credit 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
Consumer complaint received 2023-05-18 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: PA

Complaint narrative:
Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

XXXX. Account name : Bankruptcy # XXXX In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt.

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies. 

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 non-monetary relief
Consumer complaint received 2023-05-18 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: CT

Complaint narrative:
XXXX XXXX is a charge off listed with a past due balance which is incorrect. They keep validating the debt instead of deleting for inaccuracy. 

Late payments on XXXX XXXX XXXX XXXX XXXX XXXX negatively impacting and according to 15 U.S. Code 1681a,15 U.S. Code 1681a1 and also 15 U.S. Code 1666b should not be reporting but they will not delete

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 2023-05-18 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: CT

Complaint narrative:
XXXX XXXX  is a charge off listed with a past due balance which is incorrect. They keep validating the debt instead of deleting for inaccuracy. 

Late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX negatively impacting and according to 15 U.S. Code 1681a,15 U.S. Code 1681a1 and also 15 U.S. Code 1666b should not be reporting but they will not delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
My vehicle was repossessed on XX/XX/2023. I paid a cash payment to the instaloan office where account was opened. I received a " Borrower Receipt '' and " Vehicle Release Form '' after paying {$820.00}. I was given 3 telephone numbers by the General Mamage XXXX XXXX without being able to connect with " XXXX '' or any other telephone number given to me to retrieve my vehicle, which is needed to work. I lost {$200.00} on XX/XX/2023 ; and as of XX/XX/2023 still can not reach anyone to recover my vehicle. Now the General Manager refuse to talk or help me recover my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Due to Well 's Fargo flak accounts and the ease to create a bank account. i was a victim of mortgage money transfer fraud. I wired about {$180000.00}, as a down payment for mortgage back on XX/XX/XXXX of XXXX. 
Money was transferred to a Well 's Fargo account and then transferred to bitcoin source. 

tried to sue and reported it to XXXX, but had no luck. Just heard a bout of a class action lawsuit against Well 's Fargo and i think its related to the same issue i had.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have three 0 % promotional balance, with one that ends in a couple of weeks where interest will start accruing. I wanted to pay off the balance whose promotional period is about to end, however Wells Fargo said they would apply the payment evenly to all three balances. This would cause me to accrue interest.

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 2023-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Im a XXXX  student at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  slated to graduate in a few weeks. Prior to the XXXX school year, I have had no outstanding Federal student loans. 

This school year ( XXXX ), I elected to borrow {$20000.00} in Federal Direct Unsubsidized Loans ( the annual allowable maximum ), but my Nelnet account shows a balance of {$30000.00} for these loans. 

Specifically, there was one loan for {$10000.00} disbursed via Great Lakes Borrower Services on XX/XX/XXXX, the start of the fall semester. XXXX returned this loan on XX/XX/XXXX because the Master Promissory Note ( MPN ) expired and a new loan for the full amount of {$20000.00} was disbursed on XX/XX/XXXX. 

My balance with Nelnet does not reflect that XXXX returned funds on XX/XX/XXXX, even though XXXX account ledger reflects the funds returned and XXXX has also supplied me with proof that they've returned funds through the NSLDS.

I've attached all documentation, including XXXX 's email response to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens online bank advertises a savings account rate of 4.5 %. When I applied to open an account, I got an error message saying they weren't able to process my application and to try again the next business day. I did and received the same message and it gave a phone number. I called them and was told they couldn't open an account for me and would not give me any reason why. It's not clear to me what their end game is, but it feels fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: COLLECTION ASSOCIATES, LTD.
State: PA

Complaint narrative:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: CA

Complaint narrative:
Someone in Arizona opened an account with XXXX in my name in 2019. They made a few payments to not damage my credit, as they were using my credit for other fraudulent accounts as well. XXXX is reporting this charge off to Experian and has been for quite sometime. I've tried everything I can to talk with someone there about it including calling XXXX XXXX. When I finally spoke with XXXX XXXX he said he was having XXXX treatment and I should not bother him again. The last response from the company was that they needed everything in the file in order to speak with my attorney XXXX XXXX. I've since provided everything they have requested and when I speak with their customer service they just say they are working on it and someone will respond to me in 3-5 days, but nobody ever responds.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I didn't get my ebill from Bank Of America for my XXXX XXXX credit card ending in XXXX in XXXX. I received a late payment notice along with late fee and interest fee. I called to get this fixed and have spent the last 3 weeks with phone calls and a visit to a local branch trying to pay off my balance. They showed a payment going to an acct. ( XXXX ) which had been closed XXXX XXXX They are now processing dual payments one for {$3500.00} ( incorrectly ) and one for {$4800.00} ( correct ). I was told each time that I called that the problem would be fixed or that a supervisor would call me to fix it. This has not happened and now ( XXXX ) Bank Of America says that the information they gave me on XXXX was incorrect and that they can't stop the the incorrect payment. They can only issue a refund after being processed.

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 monetary relief
Consumer complaint received 2023-05-18 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: SC

Complaint narrative:
In accordance with the fair credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor have violated my rights. 

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

Under 15 USC 1681 Section 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B Section States a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge of this debt. It reported on my credit without receiving a notice that this would report to my credit, along with other violations which includes a collection account with NO delinquency date connected to the original charge-off, I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies .Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel, will go through the process of medication, and I plan to seek {$1000.00} for damages and each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
As of XX/XX/2023 my vehicle was sent to the body shop for repairs. Once the repairs are done, my finance company ( CNAC ) will not sign off on the insurance check because I will not agree to put new parts on the vehicle because it was sold to me without new parts. At this time they are holding my car and the insurance check issued to me. I will not put new parts on the vehicle as it was sold to me with damage to the bumper ( approx. 2 inches of the top left corner of bumper on passenger side was already not attached, also the paint under the front vehicle tag was already peeling ). I feel as they are trying to make the insurance company pay for replacement parts because they are paying for it and they didn't put on replacement parts before selling me the vehicle. I would like the company held liable for fraudulent information and unethical practices with the customer ( Me ). I fixed the retainer clip and replaced the headlight as what was damaged and they are making more items just so the other persons insurance company can pay for it. 
Also the body shop has already done the work and CNAC finance company XXXX XXXX XXXX XXXX XXXX doesn't want to pay them for the work they've done. they are applying alot of shady practices. All involved is the General manager for XXXX XXXX JD Byrider location, XXXX XXXX XXXXaccount rep, also XXXX - Account mgr. 
I was informed by the insurance company that it was my decision where to get the repairs done and if the repairs are done and CNAC/JD Byrider is not following those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I will cancel this card after it is finally paid off which is what I was doing and never open it again. I will also advise others to be very wary when thinking about opening an account. We had an account once before and didnt have one problem, even paid the balance off every month with no problem so we didnt give opening an account again a second thought. I was never told or sent emails to pay off part of it by a certain date to avoid an extremely large amount of money. My balance was going down and now it just went back up. Had I known, I would have paid it. 

When I tried to chat about it, I kept getting we apologize for the delay, the form must be filled out again, with no response. Finally got someone on the phone who basically told me oh well, our hands are tied and nothing can be done. Then tried to tell me I was receiving emails about promotions ending when they ARE NOT in my inbox. Its sad because they know there is no way to prove it and are preying off thousands of people in the same way. I was actually told if I contacted them sooner something could have been done. That was must definitely a lie as I tried to contact them several times through their text messages and got no where. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so this is just an amazing add on to our medical payments. 

This company is nothing but crooks and liars. Your customer service representatives are just as horrible and inconsiderate apparently told to lie to the customers and make us feel stupid and ashamed.

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 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Paypal Credit includes an amount listed which is called " Amount to avoid Standard and Deferred Interest '' - this is fairly typical for most credit card companies but the difference is that Paypal Credit lists this number once per statement and it's static. The number does not change. So if you owe {$500.00} to avoid interest and then you pay {$400.00} it will still say {$500.00} is due to avoid interest. I feel this is a violation and is in place to confuse the user so they may not realize the entire amount has been paid. Many companies take this a step further and when you select " make a payment '' there will be an option for the amount to avoid interest. This is incredibly helpful for users to see what is left to avoid interest. However, Paypal only has " minimum '', " statement balance '' and " current balance '' ... There should be another option to pay the balance to avoid interest and that amount should be dynamic and update as you make payments...

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 2023-05-18 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: FL

Complaint narrative:
Identity theft! 
Someone opened account in my name fraudulently! 
Account must be removed from credit Report immediately!

Company response to consumer: Closed with explanation