vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in a dispute letter in on the XXXX of XXXX to TransUnion and XXXX I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score

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 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This dispute is for the credit reporting for the end of the loan on a XXXX XXXX XXXX. I traded the vehicle in on XX/XX/XXXX. The car dealership XXXX XXXX resold the vehicle to a new owner XXXX weeks later. I took possession of the new vehicle the day the mustang was traded in on XX/XX/XXXX. Due to the Car dealership taking so long to process the financing paperwork one of the banks backed out of financing and they had to secure additional financing. That was finally completed the third week in XXXX. After it was secured after their delay and by no fault of my own. Payoffs were sent for the trades to the lenders despite the vehicle being resold to a new owner more than a month before they sent payoff. Santander then proceeded to report a 30 day late payment despite payments going through weekly prior to that. I was in contact with Santander the whole time explaining the situation and I was advised that they will hold the account and provided information for the dealership and tracking for the payoff. I reached out to Santander consumer services after they reported a 30 day late to my credit report and was advised by a really rude rep that Santander didn't care what happened. That is terrible considering everything going on with the pandemic and in the world that Santander would be such a predatory lender. This was not my fault and I feel like I should no be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 us 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I would like to draw your attention to XX/XX/2021 - I had sent my complaint letter to Wells Fargo, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one acted immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Wells Fargo never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. More in the letter attached, I attached my letters I sent to them and their replies

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 2022-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
In XXXX and XXXX, I took out two different student loans for my daughter who was attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. I had no problem making the loan payments until my personal financial situation changed drastically in XXXX after a divorce, a move across the country, and then the pandemic decimated my XXXX travel business. 

Navient says that I am out of forbearance options. In the meantime, I've accrued thousands of dollars of interest fees while in forbearance. According to them, I'm out of forbearance options and I do not have the means to make the $ XXXX monthly payments. It's just out of the realm of possibility right now. 

When I took these loans out, I took onXXXX out ( from XXXX ) with my former husband as a co-signer ( he was removed from the loan in XXXX ) and one on my own ( from XXXX ). I did not have a co-signer on any of my loans. Now Navient is telling me that my mother is a co-signer on one of these loans! This is absolutely false. 

My daughter, separately, took out a loan that my mother co-signed on but she did NOT co-sign on either of my loans, but now Navient has threatened to contact my mother about MY loans. This is false and wrong on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AR

Complaint narrative:
After I received a copy of my credit report and discovering inaccurate and missing information being reported, on XX/XX/2022 I sent letters to Equifax and XXXX about these information and asked them to investigate and remove those erroneous information from my credit report affecting my credibility. But unfortunately till this day I haven't received any correspondence from them in regards to my dispute. I feel my right to fair credit reporting violated and being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been a loyal customer of Chase customer for over 10 years and used a number of their products and services including : Commercial loan on a building Business Bank Accounts Business Credit Cards Personal Bank Accounts Personal Investment Accounts Personal Credit Cards On XX/XX/XXXX, I received a letter from Chase asking that I submit a W-9 form and an SSA-89 form for one of my personal checking accounts and that if I did not, my account would be closed by XX/XX/2022. I confirmed with my banker that this form was indeed from Chase and I sent these forms in on XX/XX/XXXX. 

On XX/XX/XXXX, I visited a local branch to deposit a check and was told my account was " frozen '' and to contact an XXXX number they supplied. 

Baffled, I contacted the number and was told that they did not receive the information requested from me. The agent asked numerous times if I was a XXXX Citizen, which I confirmed. I am, I was born here and lived here all my life. I was told that no additional information could be provided. 

I escalated this and was told by another agent that they did indeed have the W9 form that I mailed in but that I " forgot to include the SSA-89 form ''. Both of these forms were in the exact same envelope that was sent to XXXX on XX/XX/XXXX. I had a scanned copy prior to sending that I showed my local banker. 

Given it was near the end of the month when dozens of auto-pay transactions typically hit my account, I urgently escalated this to my banker and she came by my office the following day to pick up a 2nd copy of both the W9 and SSA-89 so that it could be processed by the bank. I was told it would be resolved the following day. 

Instead, the account vanished from my online banking altogether with my funds seized and inaccessible. I contacted Chase and was told the account was permanently closed, they would not re-open it and that I would receive the money that was in the account in the mail. These funds were received after numerous payments were due and in turn, I had late payments ( with fees incurred ) and late notices that will affect my credit. 

This closing of the account, which to me was done with XXXX prior notice since I had sent everything Chase asked for - twice- with no communication from the bank stating the account would be closed has caused me over {$450.00} in late fees and dozens of hours of time to open new accounts and make payments ( including late fees ) for mortgages, utility bills and credit cards. 

Less than a week later, again with XXXX notice, they froze the funds in my son 's account at the same bank and permanently closed it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have submitted a request to have the debt removed because it was reported as income on my pay statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
In all of 2021 I got marketing advertisement mails from one main financial local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my XXXX credit report on : XX/XX/2021 & XX/XX/2021 one main financial po box XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my XXXX report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them. This affidavit does not reference the specific online account opening and inquiry with my credit report. I do not wish to provide any of my personal information to one main financial because Identity Theft & Fraud has already occurred and they have failed to stop sending marketing mail to me at my home after I requested & reported numerous opt outs. I was informed that the only way they would show up on my credit report inquiry is if I filled out a loan application with them which I never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MI

Complaint narrative:
Good Morning, My student loans were held by FedLoans for years, and I've never had any problems until now. I am under the impression my loans maXXXX have been sold to to another agency, but I have not received much guidance on how to access that agency or when that will take place. 

I have attempted to contact FedLoans by phone, email, and live chat, but no representative has contacted me or offered any help. My loan status is incorrect, and has been incorrect since late XXXX. I requested a Forbearance in XXXX while I was struggling with my income, and then the pandemic hit. I was informed the Forbearance should cancel after 12 months and I would need to reapply. I did not reapply as the Government was allowing student debt to be paused, including interest. 

Due to their clerical error and my loans having an incorrect status, I was assessed another {$2000.00} of debt to my balance from unpaid interest. I have been asking them for a formal review of my balance with no response. If I am under obligation to pay this debt, I would like an explanation at the very least. 

Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in a dispute letter in on the XXXX of XXXX to XXXX and Experian I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score

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 2022-07-15 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: FL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 - XXXX XX/XX/2022 XXXX XXXX XXXX My information is being used and now with these inquiries that are popping up on my report are affecting my ability to stabilize my families quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2022 at XXXX am I got a notification saying that I had a HARD INQUIRY from American Express. I never applied for American Express or had any dealings with them. I would like this removed from my credit report. And if possible can I find out who did it?

Company response to consumer: Closed with non-monetary relief