vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Equifax.

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report.

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I have no accounts with US DEPT OF EDUCATION/GLE. My student loans were with XXXX which are completely paid off and closed as of XX/XX/2021. US DEPT OF EDUCATION/GLE is reporting to XXXX when XXXX have no accounts whatsoever with them at all. Please US DEPT OF EDUCATION/GLE cease all reporting of this negative account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
on XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.For at least a year, every business day, three times a day I am harassed by phone calls. As of XX/XX/2021 I orally ordered them to cease and desist from all collection activity, only for them to continue to call me and I have proof as shown by exhibit G. They refuse to validate my debt and refuse to cease and desist from all collection activity. I have suffered damages due to the abuse and obscene language spoken verbally to me and via mail. Attached are supporting documents for my claim and all have been notarized, sent and resent via certified mail by the United States Postal Office. I have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank distributed and serviced by XXXX XXXX California , Inc. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there were 3 fraudulent charges, {$72.00}, {$47.00}, & {$56.00}, totaling {$170.00} all to a shoe store in Massachusetts. I immediately notified prepaidgiftbalance.com at XXXX. After an extended hold I spoke to a XXXX. He gave me a claim # XXXX. He directed me to send my contact info, proof of purchase, copies of the front and back of the gift card as well as my California drivers license by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action on the claim. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and call to the fraud unit. 
6 ) After 41 minutes on hold a XXXX asked for the card number, placed me on hold, and then was disconnected. 
7 ) I immediately called back and spoke to a XXXX. She needed to forward to the Fraud Team and she told me I would receive a call back within 24 hours. 
8 ) On XX/XX/XXXX having received no return call, I called and spoke to an XXXX at XXXX who stated that she was a senior fraud representative. She asked me to fax complete documentation including proof of faxes to XXXX, which I did. She told me to allow 90 days to investigate. 
9 ) XXXX! 
I have documentation for all of the above events. I have been stonewalled with their hope I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate. 
As a side note, I did purchase another MC Gift Card that I hadn't activated. After identifying this problem I activated it and to my surprised it was drained down by {$190.00}. Since it was a different I will file a separate complaint. However, the tactics are very similar to this complaint

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 2021-10-27 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: CA

Complaint narrative:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
This has by far been the worst mortgage loan servicer I have ever worked with ( Select Portfolio Servicing , Inc. ). They misapplied extra principal payments on my 2nd mortgage account multiple times and after 4 calls ( one about every 3-4 weeks ) after selling our home ( and the loan now being paid in full ) I still have not been able to get them to properly classify the extra month of principal payment ( rather than being applied as an unapplied payment and then moved to a future month interest payment. My monthly principal and interest payment was {$250.00} and I was paying an extra {$300.00}. This {$300.00} payment was made on XX/XX/XXXX and was treated by their " cashiering department '' as a payment due in a future month and their online site/mobile app showed that I didn't have a payment due until XX/XX/XXXX. My loan was paid in full as of XX/XX/XXXX and after 4 calls, I still have not made any progress with them. When I call, they say that my account has been paid in full and they can't find my account number. I have been on the phone for around an hour each time. It is beyond frustrating to waste so much time and get nowhere with these people. Even their managers just say that their " cashiering department '' is way behind and it will be another 3-4 weeks each time for them to respond or look into my request. I hope someone in a regulatory position can investigate this company for their unfair and likely illegal business practices to treat additional principal payments as interest and hold onto it and close out accounts that are paid in full upon sale/closing proceeds being paid to the lender to pay the balance in full. It is also noteworthy to mention their extremely poor customer service as I have never received a phone call, email, or letter explaining anything after my repeated calls to request them to look into their issues with how they account for additional payments even after their customers call them to look into issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We are currently on a Forbearance plan as of XX/XX/XXXX. The paperwork that I received and the call that I had with the rep that initiated the FB plan confirmed that the plan ends on XX/XX/XXXX. I sent an email to the LM department to extend my FB plan and then followed up with a call to see if there was any progress on it being processed. 

When I called on XX/XX/XXXX and told the rep I needed to extend the current FB plan, she set me up on a repayment plan for XXXX per month to begin in XX/XX/XXXX. I can not afford my current payment so why would I enroll in an RPP???!!!! 

I called on XX/XX/XXXX and the guy couldn't help me because he was not in LM and could not see the RPP that was set up in error. 

I called XX/XX/XXXX and spoke with 3 reps. One who was not in LM and needed to transfer me, the 2nd one put me on hold and then transferred me for no reason and the 3rd was able to advise that i need to call back XX/XX/XXXX to have the plan extended. 

She said the plan didn't end until XX/XX/XXXX. Who extended my plan by 1 month without my knowledge and why isn't Loancare being efficient when it comes to this process?!! Furthermore, why am I having to call back to have the plan extended instead of being able to self-service? 

I hate talking to them everytime I call because its always some nonsense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$44.00} at XXXX. Because of credits on my account my closing balance for XX/XX/XXXX was {$23.00}. I never received my statement and forgot to pay the account. I paid {$49.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) and {$2.00} on XX/XX/XXXX ( due date XX/XX/XXXX. Therefore for a balance of {$23.00}, I paid {$27.00} in fees and interest. I have never been late on this account. 
I realize this is a very small issue and amount. However, I believe their charges were totally unreasonable. I realize that my not receiving the statement does not exonerate this company from billing me late fees/interest. To bill me {$27.00} for a balance of {$23.00} that was paid within 52 days of this purchase is outrageous based on my credit history since XXXX with this credit cad issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/ 2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CA

Complaint narrative:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NC

Complaint narrative:
Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what TRANSUNION, XXXX, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously sent out a dispute letter to update my personal information but nothing has updated. According to the FCRA all information on my credit report should be 100 % accurate including my personal information. I should only have one name and one address. My name is XXXX XXXX XXXX, any other variation should be deleted. My current address is 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 explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
This account is fraudulent in regards that the security interest paid for all obligations. USAA continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. USAA has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. USAAs unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
USAA continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities in regards to the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) for the debt in dispute as well as the validity of the debt, or any portion thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to pay {$25.00} ( not a XXXX  dollar ) using the one time usage virtual credit cards with a limit of {$50.00} and again their strange system blocked the usage of the card and I simply try to pay products or services using the card what is a card for they have no respect for customer valuable time and still their webpages are XXXX  old style system that request a phone call, why you don't send a email, somethines they send a email asking if the customer approves or denies the transaction, but their strange system forgots about that very soon, asking to confirm the transaction by phone again, that's not possible since i'm using the web to pay for product or services and i'm not using a phone to order producs, like milions of other customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past couple months I have been challenging a bankruptcy that was put on my Transunion credit report that does not belong to me. They have sent me letters saying such bankruptcy was verified through the court system as well as a for profit company known as XXXX. I have reached out to those companies myself and they have stated that not such information was given to any credit bureaus. So i decided to file a report with the CFPB in regards to Transunion unethical reporting standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Experian. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

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