vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was approved for a loan on XX/XX/XXXX they ran my credit then so I went to pick up the check and was ready to sign Mr XXXX at one main financial came back and said he couldn't do it because, he said I put a XXXX instead of XXXX on my social security number which was a lie because I was altered by credit karma that he ran my credit again that's 2 hard inquiries on my credit report and I'm trying to get a loan to pay off my credit debt. He insisted that I did it not knowing I also have XXXXXXXX XXXX  working on my credit as well. So I said I would like to see my application to see if it was true he wouldn't show me.So that was on XX/XX/XXXX I called today and spoke to the manager and thought she would resolve this nope nothing. She said she would send me copies so I can contact the credit agency so it would be just one hard inquiry not 2 .she never did it and I record my calls plus my wife was my witness. I really feel I was discriminated against by the way we looked plus I'm XXXX on XXXX Before we left he asked if we had a car title which was strange we said no and left. The business is called onemainfinancial in XXXX XXXX XXXX XXXX XXXX manager XXXX. Associates XXXX. I just want that extra hard inquiry off my credit report.I have a XXXX XXXX under ga law o.c.g.a 30-5-3 you can't take advantage of the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Account was closed with NO activity since XX/XX/XXXX. Lender false claims that payment was made XX/XX/XXXX in order reopen account. There has been no activity nor payments made to this account. 
Account is XXXX XXXX XXXX XXXX  old I requested through XXXX XXXX to have this CLOSED account removed. T. D. Auto Finance has made false claims of activity in the form of a payment being made to the CLOSED account in order to reopen account and collect a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A few days ago I place a disputing with Equifax and XXXX into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my permanent XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called TD bank and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used western union service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. I am sending the recorded call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: MRS BPO, LLC
State: TX

Complaint narrative:
A COLLECTION ACCOUTN WAS PLACED BY COLLECTION AGENCY MRS BPO ASSOCIATES ABOUT A ACCOUNT FROM DISCOUNT POWER. I MADE A DISPUTE THROUGH XXXX AND THE ACCOUNT FELL OFF MY CREDIT REPORT, HOWEVER I ALSO MADE IT THROUGH XXXX AND THE DISPUTE WAS UNSUCCESFUL. I CALLED THE ORIGINAL ACCOUNT HOLDER DISCOUNT POWER TO FORMALLY DISPUTE AND THEY PROVIDED ME WITH THE FOLLOWING INFORAMATION THAT MY SOCIAL SECURITY IS NOT MATCHING MY FULL NAME XXXX XXXX AND ADDRESS THAT IS ON FILE IS NOT MATCHING MY CURRENT ADDRESS THAT I HAVE OBTAINED FOR 4 YEARS. THE COMPANY AGREED TO REMOVE IT AS LONG AS I HAVE A FRAUD CASE REPORT TO PROOF THIS ACTIVITY. I ALSO HAVE FROZEN MY ACCOUNT FOR FUTURE FRAUDS TO BE HAULTED FROM BEING USED. XXXX HAS ALSO AGREEDED TO THE REDISPUTE WITH THE FRAUD REPORT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
This accounts are unauthorized and need to be deleted immediately. I have repeatedly requested for these accounts to be deleted. This company is in violation. I am in litigation and by law these accounts must be deleted. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Nelnet regarding three accounts that are reporting on my credit report from them. I was requesting for them to show me proof that their reporting of the accounts were 100 % accurate. The reason why I asked this was because there were major inconsistencies and inaccurate information on their accounts from all three major credit bureaus. 

However, on XX/XX/XXXX, they sent me a letter stating that they are not complying with the investigation. 

They must cooperate because these accounts are inaccurate, inconsistent and non metro 2 compliant!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: AFNI INC.
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
I obtained my Transunion Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Transunion any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. 

I wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent Transunion a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2021-08-20 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: PA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
I have dealt with Morgan Stanley Private Bank on numerous occasions. They charged me for insurance that I didn't need and have fought for years to correct it. I actually had someone tell me that I can't fix that because we didn't service the loan at that time even though MS via XXXX serviced the loan. I've had numerous phone calls lasting more than an hour trying to explain the situation to get it corrected and every time I call its like starting over. I have been told on at least 6 occasions a MSPB supervisor will call me back and have never once had anyone call me back. I requested a simple document three times and was told repeatedly it will be to you in 24-48 hours. Its a week later and it is holding up a refinance that I am doing. Are they doing it on purpose so I can not refinance? The service people do not have the ability to transfer you to a supervisor. Entire departments don't take phone calls. No one will accept responsibility to take care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I am having problem with a collection agency so I am hoping you will be able to help me with this matter. I received a notice from Receivables Performance Management. So I called them asking for a validation of debt, the representative informed me they don't have a validation of debt they just have " notes '' so they cant mail anything. How is the possible? How can they try to charge me and report on my credit if they dont even know who the debt is for? It a simple request if they are on the up & up about things but it seems to me they are just trying to get money from people with no leg to stand on. I will not pay anything until I get a validation of debt from them. I would be crazy just to send money just because someone is sayin I owe them but cant prove the debt. All im asking for is proof of the debt so I can settle if I need to. If they cant prove the debt then it need to be remove from all my reports

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc.
State: CA

Complaint narrative:
Dear CFPB, I couldn't find a box to check that matches the issue that I am having, but I am relatively certain that its in CFPB 's jurisdiction and I need help. 

On XX/XX/2021, I purchased the Full Self Driving upgrade for my Tesla at a cost of {$10000.00}. It essentially allows the car to perform lots of functionality like driving itself thru navigation, etc ... Due to some type of technical glitch, although Tesla did take my money, they didn't provide me with the product. Its supposed to be installed within 1-2 days, and I confirmed I have a strong Wifi connection. 

On XX/XX/XXXX, I called Tesla to report the issue and they confirmed they would have it resolved, acknoledging its an internal issue for their " advanced team '' On XX/XX/XXXX, I called a 2nd time to inquire about status, to which they told me it would also be solved. I told them I'd either like the product, or a refund, but I can't have Tesla take {$10000.00} of my money. Tesla has a 48 hour return policy on this product, and they advised they can not refund me since its more than 48 hours, but I never had the product in the first place. 

On XX/XX/XXXX, I called a 3rd time to follow up, and was advised to take the Tesla into the service center to get this remedied. 

On XX/XX/XXXX, I took 3 hours out of my work day to wait 90 minutes at the Tesla Service center for my appointment. They COULD NOT fix the issue, telling me its a software problem for the " Advanced Team '' On XX/XX/XXXX, I called a 4th time to follow up, and was advised that I would just " have to wait '' and, I told them I'd be filing a complaint and they forwarded me to a supervisor who would be emailing me On XX/XX/XXXX, a supervisor named XXXX emailed me to let me know they could not process the refund, and that although there is a fix for the issues I'm having, provided no assistance in when or if Tesla would fix it. 

Over the period of XX/XX/XXXX-XX/XX/XXXX me and XXXX exchanged emails in which I told him I don't believe this matches up with Tesla 's company culture, its promise to its consumers, or the agreement for Self Driving. There is no reality in which a customer pays {$10000.00} for a product from a reputable company, and the company choses NOT to deliver the product, and the consumer is not entitled to a refund, and is given the run around. The icing on the cake here is that XXXX told me " I would also recommend scheduling a service appointment so they can assist with this as well ''. 

I need CFPBs help in either compelling Tesla to refund me, OR to deliver the product they originally promised me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A few days ago I place a disputing with XXXX  and Experian into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my XXXX  XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.

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 2021-08-20 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: AES/PHEAA
State: TX

Complaint narrative:
American Education Services, has not allowed me to reduce my payments, release my cosigner, temporary postpone my payments, or make my payments online. Ive been told that I have exhausted my forbearance options, when I still have years of payments to make. Ive also been told that I can't release my co signer since I've used forbearance on my loan. I also can no longer make my payments online, I can only send payments through the mail, which will cause my loans to be late, causing them to contact my cosigner and send letters as well. They have given me no options or breaks, and I think this is completely unfair. Ive paid well over the amount I owe in interest alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I submit the payment for freedom mortgage on the date of XX/XX/2021 with the amount of {$2100.00}. Freedom mortgage was claiming that I did not make the payment but my bank statement was saying otherwise, meaning that the payment went through. They started charging me for missed payments which I already made the payments on time. I talked to one of the freedom mortgage agents and he claimed that he fixed the issue but he did not. Now I am trying to buy a new home and when I talked to this broker agent, she checked my credit to see if I was eligible but my credit records showed that freedom mortgage has ruined my credit meaning that the freedom mortgage agent did not fix this issue. I recently called them for them to fix this issue because my credit is being ruined and the agent told me that I wasnt the only one having this problem. He said that theres nothing he can do to fix this issue.

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 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WV

Complaint narrative:
I purchased merchandise from a seller on XXXX XXXX. This was for a new, unopened XXXX  XXXX XXXX XXXX XXXX in the amount of {$500.00}. I was directed to the XXXX site to submit payment which I did using my PayPal Prepaid-Mastercard. As soon as the payment sent, the seller deleted all accounts from XXXX, XXXX, and I am unable to contact him in any way. I have open disputes with all companies but no-one is able to do anything and keep telling me to contact my local law enforcement. They also can not seem to tell me directly why my purchase is not falling under the purchase protection plan. I am needing to get my money back asap and they all are unable to do or provide anything. All three of these are departments of the same company, PayPal, but yet they can not communicate with each other and have failed to provide me with requested information, phone call recordings with representatives, escalation to the head of the company or even provide me with their contact information. I want to find this person and have fraudulent online scamming charges pressed against him. I will attach all current documentation I have regarding this issue and would appreciate a very prompt and timely resolution for this matter. I have spent precious hours dealing with this and do not have the time to spare to continue getting pushed around with no resolution as I am a XXXXXXXX XXXX  XXXX and mother with responsibilities that are needing to be handled at a higher priority than being on the phone arguing with a representative who does not even speak clear XXXX. Please contact me as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation