vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
Called XX/XX/2021 and XX/XX/2021 and I keep getting nowhere. I owe a little over 100,000 with some of the loans at 10 %. I asked a about a different program and they said they couldnt do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIT BANK, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am XXXX of the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I have full XXXX XXXX XXXX XXXX XXXX XXXX  at CIT bank. 

CIT bank, specifically : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX : ( XXXX ) XXXX T : ( XXXX ) XXXX ext. XXXX F : ( XXXX ) XXXX Corporate Office XXXX XXXX XXXX XXXX XXXX, AZ XXXX and, XXXX the bank refuses to release our funds in both a checking and savings account, approximately XXXX. 

additionally, i have requested multiple times to receive copies of all cancelled checks, detail on all transfers, detail on all XXXX payments, and the bank refuses to supply these records even though they are required to keep these records. I can not imagine that it is legal for a bank to withhold our funds, and withhold our records from an authorized signer on the accounts. 

The bank has opened the account under the name " XXXX XXXX XXXX '' while using the XXXX XXXX XXXX XXXX XXXX XXXX. According to the bank, all of the associations they bank are set up this way. this leaves the Management Company, who according to the bank has sole access to all association accounts, the ability to transfer monies in and out, at the management companies sole discretion, with no oversight from the associations. This opens the question of could these accounts be used for nefarious activities, money laundering etc. 

According to the bank, as well as XXXX XXXX, I am the only board member ( out of XXXX communities ) XXXX XXXX XXXX XXXX XXXX to any association account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
The XXXX account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.

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 2022-02-05 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: MI

Complaint narrative:
I reached out to Experian about deleting inaccurate information on my consumer report on XX/XX/2022 with a letter via certified mail along with a copy my id, they have failed to do so. Experian is in violation of my federally protected rights as a consumer. 
Pursuant to 15 USC 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system.

Experian has failed to properly investigate this information that they are inaccurately reporting, when in fact they are to exercise their grave responsibilities with fairness, impartiality, and respect for consumers rights to privacy, which they failed to do so.

Pursuant to 15 USC 1681b ( 2 ) any consumer reporting agency may furnish consumer report under the following circumstances : In accordance with the written instructions of the consumer to whom it relate, I have not sent Experian written instruction to furnish this inaccurate 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 non-monetary relief
Consumer complaint received 2022-02-05 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: LA

Complaint narrative:
on XXXX XXXX i sent the CEO of XXXX  in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administrator, beneficiary and executive of name and estate. i have reason to believe and do so great faith.

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 2022-02-05 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: LA

Complaint narrative:
on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administratoXXXX, beneficiary and executive of name and estate. i have reason to believe and do so great faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: NC

Complaint narrative:
My homeowners insurance company sent me a letter at the beginning of this year that my premium for the upcoming year ( starting in XXXX XXXX ) would be increasing by {$1500.00} up to {$4100.00}. They said in their letter that this increase was due to a consumer report on my credit from LexisNexis credit reporting. 
I first thought this was weird because my regular credit score is routinely around 800, but there is apparently a second, different credit score that was used. 
I ordered a copy of my consumer credit report from Lexis Nexis, which was mailed by them XX/XX/XXXX and received by me through the mail some time after. 
In their consumer report I received, there does seem to show any negative information about my family 's credit. I called LexisNexis shortly after to go through the consumer report which appears to show accurate information overall. They could not really explain thoroughly what aspect on the report was actually a negative. The only thing they mentioned was the rolling history of my bank accounts, credit, and loans for which I have never had a late payment. 
The strange thing is that my homeowners insurance is choosing to hold the length of those accounts against me now even though all of them were already in existence when I began my insurance coverage with this company in XX/XX/2017. 
It seems that my homeowners insurance company has arbitrarily chose to hold my account lengths against me now and try to increase my yearly premium by about 44 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR

Complaint narrative:
A charged appeared on my USAA Bank XXXX issued credit card in the amount of {$3700.00} on XX/XX/2021 I disputed the fraudulent amount charged to my credit card. I disputed the amount on XX/XX/2021. The amount appeared again on my USAA XXXX credit I call them to dispute the fraudulent charged they refuse to investigate. I am requesting the fraudulent charge of {$3700.00} to be removed and all fees, charges credited to my XXXX card ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The company is reporting an incorrect high balance on my credit report. I have sent multiple letters to them in regards to this. They have failed to respond which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AR

Complaint narrative:
We built a home in XXXX on 10 acres. Our loan was sold to Home Point Financial Corporation out of XXXX XXXX, TX. In XXXX we notified them we wanted to build another home on our property and needed them to release a 4.5 acre parcel. They gave us the detail process, costs, and timelines. We completed everything they asked, paid $ 10s of thousands of dollars to release the property. We provided details and appraisals that the $ 200k loan we still owed on the XXXX home with 5.5 acres would have a substantial amount of equity that would not put them upside down on the Loan to Value. In fact, there is over $ 120k in equity on the XXXX home. Now theyre not responding and weve purchased over $ 100k of windows, lumber packages, etc for the next home because we completed everything they asked. They will not return phone calls or emails. They are holding OUR land hostage for no reason. They will also not cooperate with other financial institutions to let us refinance the $ 200k loan with another firm so we do not have to do business with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: GA

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card with Citi XXXX XXXX XXXX XXXX. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Ordered a product advertised on XXXX which took me to a merchant called XXXX ( XXXX  ). Product was an XXXX helmet that was mechanically operated with remote ( glowing eyes, actuated opening and closure of the front section of the mask ). I provided all the the website pictures and the description of the product back to Capital One showing what the product was advertised as. I received an email confirming my order. 
XXXX Received shipping details with parts in XXXX, indicating that the product was coming from XXXX XXXX I did not know this as nothing on the website indicated that the product was shipping from XXXX. Their check out process indicated that the product would arrive no later than 2 weeks upon receiving my order. 
XXXX Received the product in a box with no professional packaging, just a plastic bag covering the product. I provided pictures, dates of the product once I received it to Capital One. I sent an email to the merchant indicating that I wanted to return the product because it was nothing like what was advertised and asked for their return shipping address. 
XXXX Received a reply from Merchant that did not include the return shipping address and instead asked that I keep the product and receive a 20 % discount on other products offered on their site. I replied indicating that I wanted a refund and to please send me the return shipping address. This reply was met with an automated email stating that the company would be on some holiday festival for 5-7 days. I then called to file a dispute with Capital One. 
XXXX I provided all of the documentation to Capital One to continue the dispute process ( including the dates of the aforementioned as well as detailed pictures from the merchant 's website and also of what I received. 
XXXX Capital One requested additional documentation including the sales receipt and also a letter from an expert in the field for the product to verify the difference between what was advertised and what I actually received. I contacted Capital One to express dissatisfaction with the process and that it was going to be impossible to obtain this expert opinion letter on the product. They communicated that this was required to continue the dispute process and that I would most likely lose the dispute without this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
The company MoneyLion closed my checking account without notice or any emails notification! and told me I would have to contact the originator of the funds, MoneyLion doesnt give me any more information about if and when the funds will be released to the originator or myself!!! There is currently {$5800.00} on hold!! when I speak to the originator they act clueless to the situation!! I feel like MoneyLion is scamming me and I want justice for the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My Wallet was stolen. They have my driver 's license and SS card and my daughters as well.XXXX  XXXX 2022 a bank account was opened in my name, I received letters from the bank saying they opened one. PNC Bank is the name of the bank. I called them. They told me to file with y'all. I also made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX / XXXX / {$2100.00} XXXX XXXX XXXX / XXXX / {$9400.00} XXXX XXXX XXXX / XXXX / {$5800.00} XXXX XXXX / XXXX / {$7500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-02-05 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: LA

Complaint narrative:
on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.

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 2022-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). 

It has now been well over XXXX  days since I initiated contact with XXXX, and over XXXX since I contacted Equifax. I did not receive any information on the outcome of this dispute, and I do not believe that an investigation was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2
State: NJ

Complaint narrative:
In XXXX XXXX I was billed by the XXXX XXXX XXXX XXXX New Jersey. i was charged and contacted for the amount of {$680.00} collection has contacted and informed me of my billing this charge also shows on my credit report. I am contacting you to rectify this billing issue in hopes they are paid and I am not billed which then will ultimately be removed from my credit history. 

I was billed by XXXXXXXX XXXX XXXX XXXX  by XXXX XXXX XXXX for the amount of {$460.00} which also was sent to collection. the date of service was XX/XX/2020 please help me rectify these two amounts in hopes I could have these two concerns removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$570.00XXXX XXXX XXXX / XXXX / {$8000.00} XXXX  XXXX XXXX / XXXX / {$0.00} XXXX OF XXXX / XXXX / {$5700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-05 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:
I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022. On XX/XX/2022, they responded. They did not give me the proper response once again because they said they need more time to investigate, up to 60 days. I already told them that this is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response. TransUnion is willfully being non-compliant with federal law.

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