vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I suffer from identity theft three times in the past 2 years XX/XX/XXXX credit bureau Equifax breach XXXX of XXXX through my employer XXXX XXXX hacking on my computer through banking XXXX identity theft throughout the years of XXXX and XXXX States Arizona California all currently under investigation with police reports Attention ( This system will not allow me to upload my burden of proof )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Card ws hacked, unauthorized purchase, explained to Vanilla rep they said without gift card receipt I can't dispute it - card was a gift from elderly aunt, I don't have receipt and refuse to ask for one because she will fell terrible something wrong with card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account 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 2022-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was approved for repayment plan dated XX/XX/XXXX. 
After I completed my repayment plan XXXX, they said my unpaid balance {$17000.00} is due on XX/XX/XXXX. I ask why because the letter said " Payments made under this plan will be applied to amounts due and past due on your account as necessary to bring your account contractually current. " ( please see attached letter ). 
When I call them, only they can do is give me 6 more month of forbearance program. 
Which currently I am on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called in today XX/XX/2022 to check on my personal information on my account. After I had entered in my loan number and last our I received a recording that the Creditor had reported a late on my XX/XX/XXXX payment that was not actually late.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There has been unauthorized hard inquiries on all three of my credit reports without the companies providing any proof my intent, signatures or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
date opened : XXXX XXXX Amount {$1000.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-23 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have XXXX hard inquiries on my credit report that I didnt approve or authorize

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have 6 hard inquiries on my credit report that I didnt approve or authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
There has been unauthorized hard inquiries on all three of my credit reports without the companies providing any proof my intent, signatures or information.

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 2022-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I cosigned a vehicle for my son. My son did not have credit established so they required a cosigner. I was a homeowner with good credit. My son needed a vehicle for work, so we did not have any other options. 

The terms of the loan were predatory. We financed with Santander. The vehicle was a XXXX XXXX. The amount financed was {$27000.00} for a term of 84 months with monthly payments of {$670.00}. This puts the interest rate at 23.5 %. This was a usury rate. 

My son has had a constant struggle maintaining his monthly payments. He has been running 30 days late for nearly three years ( rolling 30 ). He has made multiple calls to the lender to work out a repayment or modification that could bring his account current so he would not be adding additional fees. Santander has been unwilling to help in any way. The slow payment has ruined his credit, as well as mine and disqualifies him from refinancing. His additional payments have been applied to his past due late charges, so he is never getting caught up. 

Last week we attempted to trade in the vehicle in an effort to get out from underneath this car payment and credit situation. My son has been paying on this vehicle for 76 of an 84 month term ( more than {$50000.00} ), and we discovered that he only has 28 % of the vehicle paid off. The numbers do not make any sense. If my son paid the remaining 9 payments he would have a balance of {$13000.00} remaining. The current balance on this vehicle is {$19000.00}. My son is unable to trade in the vehicle as the value is 25 % of the balance due after paying on this vehicle for more than 6 years. Even if the full term of payments were made, he would owe more than double of the value of the vehicle, this makes no sense whatsoever. 

This situation does not make any sense and I do not understand how this is legal. My credit has taken an enormous hit due to this situation, and with the fees that have been added I can not see a way that we can remedy this situation. Santander has clearly taken advantage of its consumers that are unaware of how they work and what they are charging. They are making it impossible to remedy an already bad loan by adding additional usury costs and fees that trap the buyer in a bad loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I currently have a dispute going on but it seems like now Equifax is not reporting my information at all. Not sure what the issue is but through my credit monitoring site, I have yet to get information regarding my account. When I refreshed my credit report, it shows a blank with no report on Equifax like if they don't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-23 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: TX

Complaint narrative:
date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I called the company and the person connected me to a fraud line and I was on hold for quite a long time and was disconnected. I did not make this purchase and am concerned that other purchases will be made. I call the credit reporting companies and keep getting the recorded messages and can't talk to anyone. I am an older person and can't do all the prompts that they tell me.. when I do it takes me back to the main menu. I don't know how to stop the fraud against me and to stop further purchases or actions .I don't know how someone got my name and address. I was alerted to another activity that was stopped but I don't know how this went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had a Wells Fargo checking account for several years without any problem. Because I have been a victim of identity theft and people opening credit cards in my name and using it and because I was moving to another state, I sold my personal possessions on XXXX XXXX  to help finance my move home. I sold a personal possession of mine and she paid with a. Counterfeit check of {$3000.00} for me to mobile deposit. I obviously did not get the check and lost the item I was selling for nothing. When I tried to mobile deposit it at Wells Fargo, it accepted it, then processed it, then denied it. The bank automatically closed their business relationship with after being a loyal customer. Including locking me out of my checking account and credit card account that had money on it. When I filed a FTC affidavit and police report, they didnt help at all and still charged me insufficient fees. They continued to let recurring payments go through even though I had shut off transactions. When I tried to dispute transactions, they automatically denied them. They opened credit card accounts in my name and did not help at all when my id was stolen.

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 2022-07-23 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX XXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report COMENITYXXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2022, I ordered from XXXX website - XXXX XXXX doing business as ( d/b/a ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I ordered one ( 1 ) handheld language translator plus warranty and extra long cord for an approximate total cost of {$120.00}. Unfortunately, something was amiss, not disclosed or was clearly misrepresented. My PAYPAL account was charged {$260.00} for five ( 5 ) handheld language translators and {$84.00} for warranties totaling {$340.00}. Steps taken to return merchandise in accordance with sellers return and refund policy plus numerous efforts to obtain a refund through Paypal 's dispute resolution have so far resulted in denials and findings in favor of the Seller. Despite written emails from the seller confirming that refund is in process, to date, my PayPal account has not received a return of funds from the Seller. Warranty fees charged by the seller has not been acknowledged as part of money to be refunded.

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 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got a mortgage for my home in XXXX. XXXX  was the lender, who on my mortgage documents, automatically assigned to XXXX XXXX XXXXe ( XXXX )., In XX/XX/XXXX, Wells Fargo took over as my mortgage servicer. 
On XX/XX/XXXX, after 18 years, Wells Fargo decided to record the reassignment of my mortgage in XXXX XXXX clerks office, from XXXX, XXXX to themselves. They list the starting date for my original mortgage XX/XX/XXXX, XX/XX/XXXX as when they took over my mortgage. This is totally false information. They took over as my mortgage servicer XX/XX/XXXX. 
A Wells Fargo Loan analyst, signed the reassignment document as a XXXX  employee ( Asst Secretary ). 
Where's the original reassignment document signed by a real XXXX employee?

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