vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This company acquired my information without consent. Theyve since then transferred this alleged debt to a debt collection agency which is unlawful pursuant UCC 3-203 ( b ).

It is also charged off which is an certificate of indebtedness meaning it is income and it cant be reported onto my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I reported That i have tried to cancel a subscription from XXXX but they are not cancelling it, and they continue to illegally charge my credit card. they have been charging me since XXXX XXXX  monthly and i have not logged in or used their services because I did not need their services. Even after i told them through the dispute with my credit card, they still have not cancelled the subscription and refund me the charges dating all the way back to XX/XX/year>. I decided to do a research on XXXX and all the reviews on the XXXX XXXX XXXXXXXX XXXX website and other sites complains mostly about their cancellation difficulties. I need either Barclays bank or XXXX to refund my money from XX/XX/year> all the way to date and cancel the subscription. We are poor people trying to make a living, we should be taken advantage of.

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 2024-02-03 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: AMERICA FIRST FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was notified today that my credit dropped XXXX XXXX. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and America First on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the America First account and {$3000.00} on the XXXX XXXX account. America First has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: NY

Complaint narrative:
I received an email saying that I can receive an instant XXXX dollars for finishing up my sign up session. After I finished signing up, I waited to receive my XXXX dollars and when I didn't not I reached out to customer service and they gave me misleading information The fine print does not state any extra requirements for receiving this XXXX bonus other than finish signing up and I fulfilled that requirement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the XXXX  of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: MA

Complaint narrative:
I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, purchased a used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ohio XXXX XXXX. I had the vehicle for a total of four ( 4 ) days until it broke down, at which point i had to return the vehicle to the dealership for maintenance. Initially, XXXX XXXXXXXX would not provide a rental car, even though i used my used vehicle as a trade-in and down payment to purchase to XXXX XXXX XXXX XXXX and was car-less. After filing a XXXX XXXX XXXX complaint on XX/XX/XXXX, i was finally provided with a rental car. XXXX XXXX claims they fixed my car which had a piston issue and i proceeded to pick up the vehicle. Upon picking up the vehicle on XX/XX/XXXX and leaving the dealership with the XXXX XXXX XXXX, the vehicle check-engine light was on, the car would not come up to speed, and the vehicle became shakey while driving. I was able to bring the vehicle back to the dealership the following day, XX/XX/XXXX, and while i was provide with a rental again, i still do not have the vehicle that i originally purchased. Unfortunately, i am not protected under any lemon law that i am aware of as this is a used vehicle. But the dealership has been dishonest about this vehicle from the beginning, would not communicate with me regarding what was wrong, and what is currently wrong, and i feel like i've been scammed with a non-working vehicle unfairly. Huntington National Bank holds the lien of this loan and i am requesting Huntington National Bank work with their dealer buyback representative and have the Bank work in conjunction with XXXX XXXX to remove this loan from my credit report as this situation is completely unfair to me as a consumer to give my used car, for the purchase of another used car, and have no car since the origination of this loan. The first payment has already come due on this vehicle on XX/XX/XXXX and i have not made a payment as i do not have a vehicle at this point in time, nor have i had one since the beginning of this loan. Please help me in having XXXX  XXXX take this vehicle back permanently and remove this loan completely from my credit report. Additionally, given i also down {$3000.00} on top of providing a used car, ideally, i'd like to be reimbursed the {$3000.00} and the used car. I recognize the dealership likely no loner has my used car i brought in, and if this is the case, i would like them to reimburse me for the cash value of that vehicle instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a fraud Claim to Truist bank claim number XXXX The claim is for 13 payments from my checking account with truit to an unknown recipient. Truist has denied the claim stating that these checks were authorized and that there is more than one so that means it is authorized. The issue is the following. All 13 checks were not authorized. The checks are not signed by myself or the joint account holder. The checks are electronically signed claiming previous authorization to do so. The checks have been validated that the checks are not generated by Bill Pay. The checks themselves appear to be suspicious as they come from Suntrust and the address on the Check for that Bank is no longer or perhaps never was valid. 

I have spent many hours trying to get Truist to agree that these checks are Fradulent. The checks were not approved by myself of the XXXX XXXX XXXX and the Checks are not signed or authorized to be signed by myself or the joint account holder. Truist is asking for proof I dont know what other proof to provide. I do not know who the recipient an XXXX XXXX is. The checks are small amounts. and occur as best we can tell every two months starting in XXXX of XXXX. I need help working with Truist as when you call there service number you get unresponsive people in a call center in the XXXX. The Bank if refusing to agree it is fraud and is cashing checks with no authorization and no signature from either account holder

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 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This is my notice of liability and intent to sue. 
Since slavery and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is human trafficking by way of debt slavery! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on human trafficking crimes in which the traffickers primary means of coercion is debt manipulation.

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 2024-02-03 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: WI

Complaint narrative:
This is my notice of liability and intent to sue. 
Since XXXX and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXXXXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on XXXXXXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : " Inquiry Regarding Public Service Loan Forgiveness Application Status and Resolution '' To Whom It May Concern, I hope this message finds you well. As of today, XX/XX/XXXX, I am reaching out regarding my ongoing correspondence with MOHELA since XX/XX/XXXX. Despite having initiated communication over a year ago, I have yet to receive any updates regarding the resolution of errors that necessitate correction, as well as the finalization of the completion 'Processed ' status for my Public Service Loan Forgiveness . 

The lack of progress in addressing these matters is of significant concern to me, as it has resulted in the continued accrual of loan interest due to unresolved issues. I have previously forwarded numerous emails outlining the details of my situation, including attachments related to Public Service Loan Forgiveness, with the expectation of prompt attention and resolution. 

One such communication, dated XX/XX/XXXX, referenced an error in the calculation of my remaining qualifying payments, stemming from my employment at the non-profit organization, XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX. Despite having met all prerequisites outlined by the program, my debts remain outstanding, prompting my inquiry into the status of my request for forgiveness. 

In light of the urgency and importance of this matter, I kindly request that you provide me with a comprehensive update on the progress of my case. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX 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 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
The company, U.S. Bank, has a terribly outdated website which makes it both difficult and deceptive when attempting to pay greater than the required minimum amount. Setting up an autopay series wipes all pre-existing information ( such as funding accounts ) which creates an artificial challenge. Furthermore, the navigation of auto-payments is clunky and inaccurate, adding to the difficult. Lastly, the webpage 's own instructions on " viewing and managing recurring payments '' is inaccurate when following their instructions. I find the website to be intentionally deceitful in an effort to stop the users from paying beyond minimum payments, thus limiting my ability to pay down additional principal.

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 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Credit was pulled to open this debt. Open date XX/XX/2021, {$3000.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Nelnet, Inc.
State: WI

Complaint narrative:
This is my notice of liability and intent to sue. 
Since XXXX  and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Debt bondage is focused on XXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX  we experienced a foreclosure with Wells Fargo home mortgage when we lived in MD. 
We tried on many incidences to modify or short sale. We were blindsided during the remediation process with foreclose notice. We were not given advanced notice of auction. No remediation was offered during that time. Our paperwork was lost more than once. 
We not only lost our home that we purchased for {$620000.00}, Wells Fargo issues a {$200000.00} NOTE against us for what was lost in the auction. We not only have to recover such a significant financial loss, but can not purchase another home due to the note. 

Wells Fargo is now sending us a {$200.00} check to apologize for the error in not remediating our loan due to a glitch in the system. We do not want to cash the check and lose any chance of filing a lawsuit against WF. We have been saving money alongside recovery to retain an attorney. We have seen many lawsuits and settled claims in cases like ours and need guidance and assistance please.

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