vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a federally protected consumer XXXX has committed a breach of fiduciary duty as they are trustees, They have failed to perform a promise in benefitting me the consumer in the way I see fit. My application authorized XXXX to access my consumer credit per them running my credit. This is an adverse action as I received NO BENEFIT which is a violation of the Truth In Lending Act. A consumer credit transaction happen when my credit was ran. I received ZERO BENEFIT therefore this is a violation of 15 USC 1602 ( p ) which is states ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. My credit being ran and me not receiving my credit extended back to me is proof of fraudulent activity i will try to settle outside of federal court but will sue for damages and remedy as i am a federally protected 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 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
I have Federal Student loans held by XXXX, which was supposed to be previously with XXXX XXXX. As we know, in the past, XXXX XXXX launched XXXX in XXXX, so that they may still be involved in the federal loan servicing business, while wearing a different identity. 

However, throughout the years, there have been no improvement, as we know that XXXX had gotten into a XXXX XXXX settlement agreement recently in order to settle litigation due to their unfair practices and predatory loans made out to students, including myself. 

XXXX also had a contract with the U.S. Department of Education, from which I had filled out an Inability to benefit form both to XXXX, and to the U.S. Dept. of Education in XXXX. It just so happens that when I discovered my Federal loans with Navient were transferred to ECMC, I had also gone out of my way to make sure ECMC was aware of my Inability to Benefit application, which I had sent out to them via U.S. Postal mail, via Certified mail and signature request. 

In a recent letter dated XX/XX/XXXX, ECMC had sent me a letter stating that loans made EDUCATIONAL CREDIT MANAGEMENT CORPORATION/ECMC will be assigning the loans to XXXX, who would then be servicing the loans on behalf of the Department. 
Please take note of the abusive practices of these companies. Not only are Student loan servicing companies such as XXXX XXXX chosen to create a separate identity to remain in the student loan market, it had been transferred to XXXX, and then XXXX to ECMC, and now ECMC onto XXXX, all which I havent ever authorized. 

None of these transfers hold any of my signatures or agreement in the matter. It is also interesting to observe these companies sweep These toxic issues under the rug, by looking away and pretending nothing ever happened. 

Also, XXXX had gotten me into a loan settlement offer, which I paid {$5000.00} to settle my student loans. It just so happens they made me pay this settlement offer in XXXX when they already knew they were being sued. Therefore, they also took all they could on their way out. 
I am requesting that my Federal student loans be cancelled due to the entire toxic loan and predatory lending practices I had fallen victim to, based on these companies playing games. 

I had never received a resolution or response on my inability to benefit form/application, and I made sure XXXX, the US. Dept of Education, and ECMC all had the same form, as I made sure they all received my complaint/application. I had given all parties sufficient and beyond reasonable time to ethically provide me with resolution in the 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 explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
A was looking a house for rent and one appear in XXXX, I call the phone number that was on the advertisement, nobody answer to me only they communicate with me via text message from the phone number XXXX and tell me that if i been interested in the house send {$350.00} via mobile ath of the popular bank XXXX XXXX XXXX.I send the money to other phone number that was the one he text me because he will send the keys when he receive the money, but it never do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date XXXX : XX/XX/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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report and i notice i have a credit card account from XXXX XXXX. I have never had nor never applied for an account with XXXX XXXX. The account is not a negative account but this is not my account. I believe there's been an error in credit 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 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
On XX/XX/2022 I received a call and text from XXXX XXXX and XXXX XXXX, using ( XXXX ) XXXX. The message stated they were calling directly from the Department of Economic Impact. They wanted me to call back to enroll me in the student loan forgiveness program offered by the Biden administration. I called back and XXXX XXXX answered, he enrolled me in a program where I would make XXXX payments of {$190.00} USD directly to Nelnet, each monthly and with a XX/XX/2022 start date. After the 5 months, I would make {$39.00} USD payments directly to the Department of Education. I was told a total of {$31000.00} USD was deducted from my student loans. However, on XX/XX/2022 I realized the agreement I signed was very different from my recorded conversation with XXXX on XX/XX/2022. Instead of describing direct payments to Nelnet and the Department of Education, which XXXX XXXX guaranteed, the agreement stated payments to a third party by the name of XXXX XXXX. On XX/XX/XXXX, I became aware of frauds using the Biden administration as pretext. On XX/XX/XXXX, I froze and canceled my debit card, information which XXXX XXXX had collected during our call the day prior to start monthly payments to Nelnet and the Department of Education. My bank representative shared that they had received several calls similar to mine. After freezing and cancelling my debit card, I noticed that the agreement I signed did not entirely match the legal entity or agreement that XXXX XXXX stated he represented. Instead, he represented XXXX XXXX. On XX/XX/2022 I emailed XXXX XXXX to withdraw my consent from our agreement, effective immediately, and I notified him that I would be reporting him and his business to FTC for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Care Credit XXXX Synchrony Bank They charge almost $ 30/month for something called XXXX XXXX. I do not qualify for this service because I am self-employed. I have called repeatedly for a week to try to address the problem. Here is what happens : XXXX. The number attached to card security doesn't work. A machine recording claims there is a security issue they are working to address, so I am unable to cancel the service and get a refund XXXX. When you call the main customer service number, they say they can't do anything, and that you need to call the number that doesn't work. 

XXXX. At the end of the number that doesn't work, they give you a different number to call, and that person claims they also can't do anything, however, they can submit my request to someone, and I should wait 15 business days to receive a letter by mail to hear if my request has been approved. No one can give any information on refund or any part of the process. They are about to charge me a 3rd time for a service I don't need or want, and I'm helpless. This has to be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I am XXXX XXXX XXXX and I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that several MCA MGMNT CO accounts, with the account number XXXX was reporting to be negative on XXXX . I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have XXXX business accounts that with TD bank that i wanted closed because i dont like how the bank handles certain things. I emptied the account and called and requested both of these accounts to be closed. They told me it cant be closed over the phone.. I have no idea why but i told them I cant come in for medical reasons. I requested to fax whatever was needed in and demanded the account to be closed. 1 of the account i wanted to close was left open and was allowed to over draft for {$2.00} which they then charged maintainence fees and overdraft fees before it was later closed. The other account was also closed after they left it to accrue fees maintence and overdraft fees. 

The accounts are for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: FL

Complaint narrative:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

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 2022-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased a new car Kia XXXX XXXX, for 3 years. The lease ended on XXXX XXXX. I decided to purchase the car and got Financed with a XXXX XXXX XXXX XXXX. 
The leased contract specified in writing if I decide to buy the car at the end of the lease, the residual value is {$15000.00} They give me a purchase order with a new price value of {$16000.00}, and after I complaint in person at one of their local dealers here in XXXX, Florida, they said this is final, if i want to keep the car. ( besides all the other ridiculous charges they did as extra ) I had to proceed with the lease buy out without any option because of the due date of the lease. 
I want you to please make this company to refund me the extra amount they charged me for the car itself, without legally respecting their own lease contract agreement. 
The difference amount to be refund is {$780.00} The company is : Kia Finance XXXX XXXX XXXX XXXX, TX XXXX. 
Account # XXXX The buyers order provided by XXXX Kia, located at XXXX XXXX XXXX XXXX in XXXX Fl. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report I noticed that there was an item on my credit report that was being report inaccurately ; as a result, my credit score has been damaged due to the credit agency 's reporting error.

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