vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
In XXXX of 2023, my husband was laid off from his job and employer withheld last paycheck. This caused us to get really behind in ALL our bills. I contacted Santander to let them know and to request an extension. I spoke with XXXX different reps that said they would be able to give me an extension but then I received an email directing me to my Santander auto account. In the letter they said they could not give me the extension bc not enough time had passed between the last extension and present time. I was pretty let down about it but I understood and did what I could to not lose the car. I paid {$150.00} XXXX separate times to show good faith. At that time Santander reported that I was XXXX  days late. I accepted this as it was true. However, on XX/XX/XXXX I also made another payment in the amount of {$650.00}. I had called and spoken with a rep that said if I had made that payment, I would not be past due anymore.

Then being that we were still in a pickle, I decided to request another extension. I spoke to a woman in some sort of forbearance department. She said we had qualified for the extension and when I had specifically asked her if doing an extension will cause them to report my acct as being past due, she said no, you're only XXXX days late at this point ( XX/XX/XXXX ) so it will not report as past due. She said they would only report it as past due if I was actually past due prior to the extension! I was happy that we qualified and that it would not get reported as past due. They emailed me paperwork, I signed and returned it the very same day. However, as soon as I signed the papers, the very next day I got an alert from XXXX XXXX and XXXX that Santander marked my acct as XXXX  days past due! I called and asked why they did that and was told by the rep that he wasnt sure why it got reported as such either bc my account shows as current prior to the extension but when I requested the past due be removed, he could not. I am not happy about this at all as it dropped my already poor credit score another XXXX points! Thanks Santander!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Remove these inquiries, please. I am unaware of them, and the company acted without my consent.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is my understanding that FCRA 605B obliges us to eradicate any incorrect entries from my credit profile. Might I ask you to review the paperwork? Certain listed accounts are inaccurate in terms of their reporting.

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 2024-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
XX/XX/XXXX I noticed XXXX unauthorized actions on my XXXX  with XXXX XXXX from XX/XX/XXXX one was for {$730.00} to XXXX and XXXX for {$54.00} was to XXXX for event insurance. I still have the XXXX card in my possession so someone must have got the card information from online somehow. I called XXXX XXXX customer service line to report the unauthorized charge. They said they would email me a form to fill out and cancel my old card and send a new card. They told me not to do anything else until I heard from their fraud department. I never received the form, I followed up on XX/XX/XXXX and requested a case number and a phone number to call someone in the fraud department who was dealing with the request. They did provide a case number # but said they would contact me and did not provide a customer service number. An hour later I received an email saying that they had completed all requested actions on the case. I still had not received a form or phone call from the fraud department and the unauthorized charge is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I rented a XXXX rental car in the XXXX area in late XX/XX/XXXX. There was windshield damage due to a small rock. I notified XXXX upon arrival when I turned in the rental car. I submitted an insurance claim with USAA in early XXXX due to XXXX sending me an invoice of over {$620.00} for the windshield repair, which appeared to me as an elevated cost. I provided documentation including invoice, rental agreement, and pictures to USAA for windshield damage that XXXX provided me. I checked in with the USAA claims adjuster intermittently. In XX/XX/XXXX, I contacted XXXX and asked if the matter was resolved. He told me that there was nothing further and the matter was handled. A debt collection agency contacted me on approximately XX/XX/XXXX, and stated XXXX sold the {$620.00} debt to them. I called USAA that same day and the insurance representative stated the claims adjuster documented in late XX/XX/XXXX that he had not received an invoice from XXXX, which was preventing him from releasing the payment to XXXX. He did not share this information via text, email, portal, nor telephone to me. Of note, the invoice was supplied to him by me when I initiated the claim. The claims adjuster called me on XX/XX/XXXX and stated he was waiting for a copy of the repair invoice. Apparently, USAA is really patient and likes to wait XXXX  months for documentation to close out a claim and not communicate the status at all to the consumer during that XXXX timespan. I called USAA on XXXX XXXX to speak with a supervisor since this is now a much more serious matter since it now effects my credit report and score. Now the claims supervisor and stating that they will not be paying the bill and the burden of resolving the debt and impact to my credit report/score now falls on my shoulders, not theirs. I've been a customer of USAA since I joined the military. I've paid my monthly premiums on time and have an excellent driving history. So, USAA was going to pay XXXX upon receipt of an invoice they already had in their possession for the past XXXX  months, but the moment I bring forward a complaint, the bill and damage to my credit report/score is my responsibility not theirs even though they created this situation. Conveniently, the portal in which communication took place for the claim seems to support my recollection. The USAA claims adjuster communicated no concerns nor were any annotated by the adjuster to me. There was no additional communication from the adjuster since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax fax continues to block me from acquiring my credit report from every on line site. They have refused to grant me access. i have provided a copy so they clearly have me in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank On XXXX XXXX XXXX I was the victim of a mystery shopping scam which entailed me unknowingly cashing in fake checks and believing I would be buying gift cards with the check deposit money. I had lost about XXXX XXXX  to the scam, but then another {$1400.00} for cashing in a {$1400.00} check unknowing of its falseness on XXXX XXXX XXXX. The bank took {$1400.00} out of my account after the bank realized XXXX false dollars had been added to my chase debit account on the XXXX, as they should. However, on XX/XX/XXXX, the bank withdrew another {$1400.00} from my account without notice and effectively robbed me of money I did not own for the most part. In other words, over XX/XX/XXXX to XX/XX/XXXX, I have lost about XXXX XXXX to both scams and the bank double-charging for the {$1400.00} value. The XXXX XXXX loss scam that I fell victim to is undoubtedly the fault of both the mobile depositing system being unable to legitimize checks and protect the customers from fake checks and the fact that mobile deposits enter the account before they are confirmed as real legitimate checks. The loss of {$1400.00} on XX/XX/XXXX is once more a mistake by the bank which I in no way should be responsible for, as a fake check should not have gone through in the first place, meaning Chase has not placed measures in order to protect customers from fake check scams and etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX Called synchrony Lowes customer service XXXX -- > transferred to XXXX -- > I told them I would like to pay the debt that is being reported on my credit -- > was told debt cant be paid as the debt was written off and the balance forgiven -- > I asked for documentation of this -- > was told that only a 1099-C could be given -- > I agreed to them mailing me the 1099-C -- > 1099-C received -- > dispute was started with XXXX XXXX XX/XX/XXXX -- > dispute was resolved no change was made as synchrony Lowes stated information was correct ( according to the dispute ) -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > started another dispute XXXX XXXX -- > called both synchrony Lowes and XXXX XXXX -- > synchrony Lowes stated that they let the Credit Bureau know the debt was forgiven -- > All three Bureaus stated that the account was owing and delinquent XX/XX/XXXX -- > called the ( XXXX ) XXXX instead of going to the recovery team was routed to the collection agency XXXX XXXX XXXX -- > called multiple times same issue -- > called XXXX XXXX did a three-way the rep heard and state he was start a dispute for incorrect information -- > got frustrated and stop calling XX/XX/XXXX -- > called the Fraud unit of Synchrony Lowes Credit Card was internal transferred -- > Rep stated that they could only send 1099-C XX/XX/XXXX -- > called XXXX was transferred to recovery after a long while -- > they sated that the would start a dispute on there side no information was given to me so i could track told to call back in XXXX  days XX/XX/XXXX -- > had to call the Fraud unit again to get tranferred i even did a three-way so that the agent could see that i was being routed to another company once i gave my information to the auto machine

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 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Having us borrowers being trick into signing paperwork for options products. Telling us we couldnt get a loan without signing up for this. And employees were just adding this to there paperwork. Despite the refund policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Remove these inquiries, please. I am unaware of them, and the company acted without consulting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I've requested the removal of these inquiries as they do not pertain to 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Timely payments on this account have always been a priority for me, ensuring they are never past due. I'm unsure why there are mentions of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never allowing them to fall behind. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-26 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: MOHELA
State: MD

Complaint narrative:
My loans were transferred from XXXX to MOHELA upon completion of a PSLF application. Initially, everything seemed fine, although the transfer caught me off guard. Despite this, I ensured my account was set up for auto payments. MOHELA received the payment of {$140.00}, the same amount I paid when with XXXX. However, because the payment post date was on the XXXX, an additional {$19.00} in interest was applied to my account, causing it to be past due. I contacted MOHELA customer service and spoke with multiple representatives. The first seemed confused and couldn't provide a satisfactory explanation, so she submitted an application for forbearance. Feeling uneasy about the charge and being told I was XXXX days delinquent, I called again. The next representative claimed the charge was related to the transfer and initially suggested I reapplied the payment ; then she stated the accounting department reapplied it. When I questioned the logic behind this and the fact that it made me appear delinquent, she explained it was an interest charge, as loans accrue interest daily. However, this explanation didn't add up. Why was I being charged {$19.00} randomly? This seemed like an error on their end. It's not about the amount but the principle ; it appears I'm late on a payment I had no knowledge of. This situation is unacceptable, and I'm still awaiting a satisfactory explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute a late payment that was reported on my credit card account. I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation