vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX bank Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.

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 2022-03-06 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: TX

Complaint narrative:
XXXX XXXX bank Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing has been the server receiving my mortgage payments for almost 2 years. And out of the 2 year time frame, my mortgage statements have arrived late, numerous times. Usually around the XXXX or XXXX of the month. When I call to inform them, they would say, pay $ XXXX {$25.00} each time to pay online or by phone. Or give them my bank Info. I would refuse, and explain, that if they mailed the mortgage statements early enough, there would not be an issue. After each complaint, in retaliation, SPS would send my mortgage statements later each month, or report falsified information to the credit bureau, causing my credit to drop. In three days my credit score dropped XXXX points. I love a paper trail. It has been one issue or another with this company. Select Portfolio Servicing is engaging in unfair, deceptive, illegal practices. I mailed my XXXX payment XX/XX/2022, the same day I received it and they still have not been posted the payment. In the 2 year time frame I have paid on time, but SPS sent me a late notice but waived the fee. I have never payed late. SPS is deliberately not posting my payments on time. Moreover, I checked my 3 credit report, and SPS reported that I have an account, with the number # XXXX, which is a XXXX XXXX XXXX XXXX loan. This is not my account number, this information is fraudulent and the information has been falsified. My account number is # XXXX and I don't have, or ever had a XXXX XXXX XXXX XXXX. I have a FHA loan. FHA XXXX XXXX : XXXX. The address on this fraudulent account is in XXXX, FL. However, I send my mortgage payments to XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. The credit report states, it was updated on XX/XX/2022. Who updated it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I was called around XXXX am to say that the gas and electric was going to be shut off. They had me go to bank account and to XXXX, to send the money. I called the bank about an hour later to tell them I was scammed out of almost XXXX! I did not know XXXX was a third party as it is on my banks website. The bank called me 8 days later to say they are not getting my money. I have to call XXXX. XXXX tells me they dont get the money back but will notify the bank used. They would not give me the bank name. This is absurd. I was scammed, called the babk within hours and nothing is done. This is why scammers keep scamming. They are not prosecuted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: NE

Complaint narrative:
I tried to deposit a check that was drawn on nebraska treasury and they accepted the deposit. Two days later I recieved an email saying that they couldnt accept the check and it was verified through a manual verification process and I had emailed and called them several times and they said that they could not tell me why the check was declined. I wanted to have the check reissued so that they could take the deposit as I am home bound and am unable to leave my home to cash it some other way. Regardless they told me to write cashed across the check so I have to have it reissued anyway but cant get clarification on why they rejected the deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I dont not have a written contract with the company. They never provided a written contract with my signature. They amount it for {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NH

Complaint narrative:
I had signed up for the US bank XXXX XXXX XXXXXXXX XXXX and when I signed up it clearly said that if I spent {$2000.00} within the first 120 days, I would get {$500.00} cash back as an introductory offer bonus and I spent over {$2000.00} in the first 45-60 days itself and I still haven't received my {$500.00} cash back bonus.

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

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 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Ive tried to get a written contract from them for years and never received again. They have been under investigation for fraudulent acts and I want this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
My personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX  {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: DriveTime
State: SC

Complaint narrative:
Company pulled my credit report shows as a new installment or bank account inquiry.. 

From what I see they are trying to open a loan or bank account using my information, which is called fraud! 


Credit reporting agencies should not be allowed to pull my report as it is not needed to report a bad debt, instead now it looks as if I've applied for a loan or bank account.. 

This should be illegal!

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 2022-03-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian refuses to allow you to dispute hard inquiries over the phone unless there's identity theft. I asked about disputing by mail and they told me I would get the same response ( not worth the 30 days ). I was told that I would have to submit the dispute to the inquirer, but that would lead to a more unfair investigation as it's now done by one party instead of two. The FCRA stipulates that a credit bureau has to accept disputes and forward them to relevant creditors. Sending disputes directly to creditors is simply an alternative option granted by the FCRA, not a requirement.

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 2022-03-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was defrauded by a rental car agency in XXXX for an amount of roughly {$750.00} USD. I filed a chargeback with the dispute department of my Citi XXXX XXXX account on XX/XX/XXXX and submitted all relevant proof and documentation on XX/XX/XXXX ( within the timeframe I was given by the credit card company ). The dispute was marked " closed '' before my documentation arrived, and I was told that it was my fault for not submitting documentation on time. This is untrue based on the timeframe guidelines I was given, but the disputes department is refusing to reopen the dispute and assist me further. Thank you for your assistance.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to a recent phone call with the collections department of XXXX XXXX XXXX XXXX, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. XXXX claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my Experian credit report ( attached ) XXXX has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.

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 2022-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I signed a leasing contract to get a new XXXX  XXXX from this dealership. I was in the State for work and was in need to get a vehicle. I came to the dealer because I saw their advertisement of leasing with {$3000.00} down payment and XXXX XXXX monthly payment. I was told the advertised price didn't include the tax. They said if I put down only {$3000.00}, my monthly payment would at a higher range of $ XXXX. After going back and forth for several hours, I got really tired and said that I wanted to put {$7000.00} down payment to lower my monthly payment. I asked if I can keep the car after 2 year contract ends. They replied : " yes ''. So I sent them {$7000.00} to get the car. About 2 months later, I went to XXXX XXXX Dealership in XXXX, Florida asking to trade for a new XXXX  because I wanted a bigger car. I was told by this XXXX dealership that they would buy the XXXX XXXX back. They said that they " would help me get rid of the car with no problem :, and I can start paying for the new XXXX from the beginning which was around $ XXXX at no down payment. I asked what had happened to the {$7000.00} I put down 2 months prior. They said none of that money went to the XXXX  total price. I asked my colleagues and found out that {$7000.00} only applied to dealer fees and what called " market adjustment '' that XXXX XXXX decided themselves due to " the shortage of the market ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. 

These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying my student loans since XX/XX/XXXX of {$31000.00} XXXX started paying {$250.00} and per tax notices yearly, I should have paid down about {$12000.00}, about $ 100 monthly for 10 years when in XXXX, I lost my job and they lowered by payments that I am only paying interest no principal of {$160.00} So as of today, I, per their records, I owe {$26000.00}. Per my records, I should only owe about {$19000.00}. I am XXXX XXXX XXXX and will be retiring next year and will be living on a fixed income and my payments will be going up from {$160.00} to XXXX for another 8 years in XX/XX/XXXX at my full retirement age. I want to know where my $ XXXX is? This in unacceptable that I have to take their word for what I owe. So I will have paid on my loan for 23 years. I will be XXXX when my loans are finally paid off. Can you please help see what happened when my loan was taken over by Navient? They claim I owed {$28000.00} in XX/XX/XXXX when I should have only owed {$31000.00} less the {$9000.00} principal paid for XXXX XXXX years or 90 months of $ 100 monthly for a total of {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: CA

Complaint narrative:
I contacted the FTC about the unknown data that appears on my Experian Credit Report. I was advised to resubmit my dispute to Experian and include my police report, FTC Report and other information to assist the bureau with my dispute. I did. 

I sent a dispute priority mail on XX/XX/22. I received an email and new credit report from Experian advising me that the 3 accounts had been removed on XX/XX/22. 
Please See inserts. On XXXX I received an alert that my score dropped the accounts had been reinserted to my credit. Then on XX/XX/22 I received and alert that the accounts had been DELETED. 
When I log into my account the accounts are still there. 

This is very traumatic and an emotional roller coaster for me. For example, I disputed my XXXX account as not being late. Experian came back and said it was verified that I had been late. I was not able to reach anyone by phone at XXXX XXXX XXXX so I sent them a letter. I received a call back from a XXXX about 3 weeks later to inform me that sent out a letter on my behalf to update the error. I sent it to Experian they removed the 30 day and they have now put it back on my credit. I have enclosed the letter and the envelope it came it to prove the letter came from them. 

I am requesting that Experian delete/remove fraudulent account from XXXX XXXX and not put it back on my credit again. 

Remove Fraudulent account from XXXX XXXXXXXX XXXX XXXX XXXX and not put it back on my credit again Correct the 30 day late on XXXX XXXX XXXX XXXX and not put the 30 day late on my credit again

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