vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I set up a payment to be taken out my checking account for my car payment on XX/XX/2024. I received a notification on XX/XX/2024 that the payment didnt go through. I immediately made a payment to Santander Consumer Usa with the debit card associated with my checking account and made a payment for {$280.00}. My monthly payment for my car note is {$270.00} but I was charged a extra free to make a payment with my debit card. On XX/XX/2024 Santander took out another payment from my checking account for {$270.00}. Therefore a duplicate payment was made to them in XX/XX/2024. I have contacted these people NUMEROUS TIMES REGARDING THIS MATTER!! The same day they took out the last payment I tried to see if they would refund it back immediately because it took from my rent I needed to pay. I asked the rep over the phone why did they take out another payment and he said it was an accident! I was told I needed to send in documentation showing the payments had posted to my account. I have sent these people NUMEROUS DOCUMENTS SHOWING THE PAYMENTS HAVE POSTED AND HAVE BEEN DEBITED FROM MY ACCOUNT AND THEY STILL ARE WITHHOLDING MY MONEY IVE REQUESTED THEY REFUND! They keep making Excuses about the documentation sent but what im sending is what is on my bank statement and its showing the payments have been debited and posted but they are refusing to refund my money! I contacted them today and have also filed a complaint with the XXXX. When I contact them today I spoke with a XXXX who was Rude! I have sent them documentation today as well for my bank statement to their email. The executive office employees cant even do their jobs and refund the money! These people need to be REPORTED!! NO ONE CARES IF MY RENT IS BEHIND DUE TO THEM TAKING THIS PAYMENT OUT OR IF I HAVE ANYWHERE TO STAY! THESE PEOPLE LACK EMPATHY FOR THEIR WRONG DOING TO THEIR CUSTOMERS AND IM SICK OF DEALING WITH THEM! I WANT MY MONEY REFUNDED IMMEDIATELY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
last spring i closed my Truist credit card. i went online to download my XXXX statements to help w my income tax return. My account was not listed -- just a XXXX XXXX savings account. 

I contacted Truist to get electronic access to my XXXX statements : FROM TRUIST XXXX : Account and Credit cards that have been closed will no longer show within the online banking, however I can put in a request to have those mailed to you. I do have to mention there is {$5.00} fee for each statement copy. The cost may also include a {$25.00} per hour research fee for retrieving older statements from storage. Or you can make the request to have them printed at your local branch. Would you like for me to proceed with ordering the statements?

The statements would have become unavailable after the credit card account closed.

HUH? as soon as the account was closed my statements were NO LONGER AVAILABLE? in the SAME tax year??

Im sure that was buried someplace in XXXX point font in my user agreement!! but this is crazy! im not asking for my records from 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 2024-02-05 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: GA

Complaint narrative:
This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?

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 2024-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?

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 2024-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-02-05 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XXXX XXXX  I found mail from two different banks, Discover and XXXXXXXX XXXX XXXX It was two credit card bills in my name totaling over {$10000.00} in balances, but I never opened these cards. I also found out that I had a XXXX XXXX account in my name, which I also did not open, and it said these two accounts had been open since XXXX  While the payment history is timely, my credit score plummeted because of these fraudulent accounts. 

Today, I called Discover to notify them about the fraudulent account, and they told me that I may report this as fraud but did not inform me how to do it. Thankfully, my granddaughter researched it for me, and we were led to this page through the Federal Trade Commission 's website. 

I do know the person who did this, but I am afraid to have a conversation with them or even share their identity because I care about them and do not want them to get XXXX However, I want these accounts closed and removed from my credit report, and I do not want to be liable for these debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
M & T Bank closed my account over night after final payoff was made. They have no responded to my two ( 2 ) requests for : 1 ) Final accounting 2 ) Where are my escrowed funds 3 ) When will satisfaction of mortgage be recorded. 
They have removed my ability to view any information whatsoever- they closed my on line account and have provide NO INFORMATION WHATSOEVER. 

This is vital information for me as my real estate taxes are due this month and I am relying on escrowed funds to make the half year tax payment. 

I have receive no reply to my requests and received no information ; have not received escrowed funds ; a satisfaction has not been recorded.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX Attachments Fri, XX/XX/2023, XXXX to claimcard Dear Sir/Madam, I am writing to you in regards to fraudulent charges that have appeared on my Wells Fargo account , which I strongly believe to be a result of identity theft. I would like to bring this matter to your attention and request a thorough investigation into the fraudulent activity associated with my account. 

On XX/XX/2023 I noticed several transactions on my account statement that I did not authorize or recognize. These charges amount It is important to note that I have always been vigilant in monitoring my account activity, and I can confidently confirm that these transactions were not made by me.

Furthermore, I have attached a conversation transcript [ or any supporting documentation ] between myself and XXXX, a credit bureau, which clearly demonstrates that my personal information was tampered with by an unknown individual. This incident not only highlights the severity of the fraudulent activity but also underscores the urgent need for a thorough investigation.

I understand the importance of maintaining the security of my account and the bank 's commitment to protecting its customers from fraudulent activities. Therefore, I kindly request that you take immediate action to rectify this matter. I would appreciate it if you could : 1. Initiate an investigation into the fraudulent charges and provide me with a detailed report of the findings.

2. Temporarily freeze the affected account to prevent any further unauthorized transactions from taking place.

3. Refund the fraudulent charges and restore my account balance to its correct amount.

4. Reinstate the necessary security measures on my account to prevent any future unauthorized access.

I assure you that I have taken all necessary steps to safeguard my personal information and have reported this incident to the appropriate authorities, such as [ local police department or relevant fraud reporting agencies ]. I am more than willing to provide any additional documentation or cooperate fully with your investigation to bring this matter to a swift resolution.

I kindly request that you provide a written confirmation of the receipt of this letter and an estimated timeline for the investigation and resolution process. Prompt action on your part is highly appreciated.

Please reach out to me at [ phone number ] or [ email address ] if you require any further information or clarification. I remain committed to cooperating with you to resolve this matter promptly.

Thank you for your immediate attention to this urgent matter. 

Sincerely, 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 2024-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc
State: MI

Complaint narrative:
This is referring back to my case last year XXXX, I am constantly trying to get this resolved while XXXX continues to provide no updated information nor help. I have contact XXXX  numerous times via email and phone and all they say is someone will contact me, this has been for the past XXXX months no one from XXXX has ever contacted me regarding this. 
XXXX  claims I owe {$2400.00} towards a debt for an item I told them I never received, since XXXX  refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of XXXX. Anymore questions contact XXXX, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello I paid off my balance with Comenity bank XX/XX/2023 I was in agreement with them to close my account after I paid everything I owed they did not close my account & now I owe them {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX bank is furnishing fraudulent information to my consumer profile with various agencies without consent. Experian is continuing to furnish this information to my profile base don XXXX XXXX  claims. When asked to provide me with information that validates this claim, Experian says they are unable to do so. The mishandling of this financial information violates the Fair Credit Reporting Act and the Gramm Leach Bliley Act, both federal laws.

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 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I notified this company the date they placed it on my credit report via mailed letter and disputed online because I was unaware this. I also asked that they removed this from my credit report. Because they are reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit report and saw personal information that has been reported that I do not recognize.

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