vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2022-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I borrowed {$15000.00} in a private loan from Navient on XX/XX/XXXX to prepare for the bar exam. 

Unfortunately, my husband and I had to filed XXXX  XXXX bankruptcy in XXXX. During the XXXX years of my bankruptcy, my trustee made XXXX payments on my behalf to Navient totaling {$12000.00}. 

Instead of discharging the remainder of my private loan debt in bankruptcy, Navient put me in a long-term forbearance claiming I now owe them over {$26000.00}!! Navient claims that the Texas lawsuit prevented them from collecting on private loans and that they are entitled to charge this interest. 

I had hoped that my remaining debt would be XXXX in the XXXX class action lawsuit. However, my state was not included in the suit. 

I am hoping your office can help me reach a fair settlement and payment plan with Navient. It seems very unfair that they are making me start all over on payments on a debt that was nearly paid for. 

Any assistance you can provide would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is their email to me : You have a pending bill due for payment. 

Loan Company : Check n Go Account Number : XXXX Due Amount : {$1300.00} XXXX, XXXX are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we do not receive payment in full of the entire delinquent balance by XX/XX/XXXX, Regrettably, we are forced to send our collection team at your billing address, due to your failure to pay the {$1300.00}. 

On XX/XX/XXXX, legal representatives of our company along with the collection team will arrive at your home at XXXX A.M. in regards to the unpaid loan account. 

We had hoped to avoid this extreme action by offering you flexible credit options to lessen the difficulty you face making payments. However, your unwillingness to cooperate with our billing department has left us no choice. 

If you wish to avoid this situation then kindly get back to us to discuss one time settlement or payment arrangement as per your convenience. 

If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit payment for {$1300.00} or contact us to discuss reasonable arrangements to do so. 


Warm Regards, XXXX XXXX XXXX Department Check n Go Copyright XXXX Check 'n Go | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Whenever I deposit a paper check to my bank ( JP Morgan Chase ), they place the funds on hold for more than XXXX business days, causing me stress and financial difficulty. I make a lot of money, but my account is showing to be nearly empty because this bank is placing my funds on hold. I called and I went into the local branch, but they have no explanation as to why they are doing this. The only thing they tell me is that the funds haven't cleared and they can't help me. Recently, I received a paper check from the estate of my grandmother. My check was placed on hold, while my entire family received their funds within a day. I've never had a bank do such a thing. I deposited the check on XX/XX/XXXX, and it will not be available in my account until XX/XX/XXXX. Other checks they place on hold are paychecks from a XXXX XXXX XXXX XXXX  hardly a fly-by-night account. There is no reason for JP Morgan Chase Bank to do this. It makes no sense, and it causes me serious financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TN

Complaint narrative:
I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( 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 2022-12-28 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: TN

Complaint narrative:
I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TN

Complaint narrative:
I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXXXXXXXXXX  ( 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Our house was foreclosed on by Wells Fargo in XXXX of XXXX. We lived in XXXX Illinois at the time. XXXX XXXX XXXX XXXX XXXX. My husband had been laid off at the end of XXXX at the beginning of the recession and we spent our savings to stay in the house and applied for multiple assistance programs but nothing. The lender Wells Fargo would not work with us at all. I hear there have been lawsuits against wellfargo related to mortgage foreclosures. The Obama administration was saying that The lenders were supposed to work with us as much as possible but they did not. They just wanted the house.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX is XXXX XXXX Social Security XXXX XXXX XXXX Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report They Have Used My Info to apply For This Business card in my name than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX I want American Express XXXX XXXX the XXXX hard inquiry that was not in written consent or knowledge of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank, XXXX XXXX XXXX Bank is not licensed to conduct business in California and they have no " Local Agent for Service of Process '' as required by law and are Unlawfully attempting to collect a fraudulent debt that has already been resolved by XXXX which provided CFPB with their written response that the money was returned to my account. Comenity failed to conduct due diligence and provided a fraudulent response to my complaint. 

I have no lawful responsibility to transfer any money that was done without my knowledge and consent, forcing me to work for free. This matter needs to be resolved by XXXX and Comenity Bank who get paid to work. Secondly Comentity Bank, etc. has to provide me ( XXXX ) with the name, address and telephone number of their local California XXXX for service of process. I called Comenity Bank and spoke with XXXX employees. ( XXXX, XXXX and XXXX XXXX who told me they would call me back with said information in 3 days but have failed to call provide me with their California local agent for service of process. California State Law requires they have an XXXX For XXXX XXXX XXXX. Records revealed they are in violation of California State Law in this regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Recently, I, XXXX XXXX, was denied an extension of credit by Capital One. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and they assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me is both a proof and evidence that I have been discriminated against, they are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: IL

Complaint narrative:
Im a living human being, a natural person, I have filed complaint after complaint to inaccurate account information with company not providing verification of information complete refusal. I have rights under 15 USC 1681 TransUnion is governed by 15 USC 1681 an they have violated my rights numerous times. I demand the accounts listed below be deleted because XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items within 30 days gives reason to delete 15 USC 1681s-2 ( b ) reporting of information after notice of errors-15USC 1681e ( b ) accuracy of report- 15USC 1681n Civil liability for willful non compliance -15USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency. Deleted immediately!

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
We mailed them a letter to dispute the debt and never received verification back. They have been calling me, and the debt has gone on my record and I have yet to receive a verification of the alleged debt. 

We ( XXXX XXXX XXXX and myself ) have mailed the letter of dispute on XX/XX/XXXX by priority mail. The tracking is : XXXX XXXX XXXX XXXX. It reached them and was signed for at XXXX XXXX  on XX/XX/XXXX by XXXX XXXX. This was mailed within the XXXX day period. 

They have since called me on XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX, & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Again, I have yet to receive any verification of debt from the company but they continue to contact me and place the debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Signature Bank (NY)
State: TX

Complaint narrative:
I am an XXXX XXXX in the United StatesI was scammed by a phone call from a fake XXXX consulate in New York and tricked into transferring {$100000.00} to the scammers by having my chase bank account. I then transferred {$100000.00} from XXXX bank to the scammers ' Signature Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.

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 2022-12-28 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: VA

Complaint narrative:
This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-12-28 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XX/XX/XXXXaccount XXXX with XXXX XXXX XXXX. Violated my rights to Privacy 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 an account without my written instructions.

15 U.S.C. 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation