vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am saddened to report that XXXX, XXXX and Transunion are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am saddened to report that XXXX, Experian and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Ever since my loan servicer has switched from XXXX XXXX to Navient as of XX/XX/2022, I receive monthly notifications from Navient to refinance/consolidate my federally held loans into a private loan from Navient. These letters did not start until Navient received my loan information as a my new servicer. This practice is predatory and is utilizing my data, obtained through a government contract, for their private gain to actively try to remove my loan from the federal system and convert it into a privately held loan. This would remove protections and options for my repayment that are only available as federally held loans. 

This is predatory and misleading and is the only communication I have received from Navient about my federal student loans, despite them being my new loan servicer.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
Santander has attempted to collect an alleged debt and repossessed the car without validation of debt. Ive sent a letter of validation of debt by fax twice in XXXX and XXXX. Where I have proof my validation of the debt request was sent and received. No response, they continued to call. 
They are in violation of my rights as a federally protected consumer.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.

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: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a new Bank of America credit card customer. I set up Auto-Pay immediately when I receive my new account information. The settings were to pay my entire statement amount on the due date. Unfortunately, this feature offered by BoFA fails to do what it advertises. Using Auto-Pay for my first two statement cycles has racked up over {$100.00} in non-refundable interest, along with overcharging my checking account by {$4000.00}. Reporting these bank errors to the company has not made any difference in their Auto-Pay product, nor a monetary refund for their mistakes. 

Bank of America 's Auto-Pay feature made the following errors : 1. After setting up Auto-Pay to pay for the full statement balance on the due date, it does not immediately go into effect, unlike all other credit cards, utility companies, and other billing services I have used. The website did not inform me of this delay, and only a customer service agent told me. Therefore, my first statement payment was late as I had to manually pay the statement. I was charged interest and a late fee, though I had already set up Auto-Pay. 
2. Auto-Pay then deducted the 1st + 2nd statement balances from my account, leaving me with a negative - {$4000.00} balance. 
3. The Auto-Pay payment that went through did not clear on the due date of the 2nd statement. I was again charged interest for being late, even though Auto-Pay had OVERdeducted from my checking account. 

Bank of America has refunded my late fee but has refused to refund my interest fees. Bank of America has over deducted from my checking account by - {$4000.00}, a salt in the wound as I'm losing interest on this overcharge. 

In conclusion, Bank of America is advertising a convenient fool-proof solution ( Auto-Pay ) that does not pay the correct amount on time and charges the customer interest for its product failings. Auto-Pay 's failings need to be correctly advertised, and Bank of America is using this feature to falsely charge their most responsible customers, the customers who even sign up for Auto-Pay, fees and interest for simply trusting its products.

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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
ROBINHOOD UNAUTHORIZED TRADE ON XX/XX/XXXX To Whom It May Concern : After many unsuccessful months of trying to resolve my issue with Robinhood I finally contacted XXXX XXXX, a well known financial advisor on our local TV station. 

She recently replied to my question and I am now taking her advice and contacting Robinhood, again, the XXXX and the XXXX XXXX XXXX XXXX. 

Today, XX/XX/XXXX I just tried to file a dispute with Robinhood with the instructions that XXXX XXXX sent me, XXXX XXXX XXXX  it said that this page was not found. Another dead end. 

On XX/XX/XXXX sent {$1000.00} to Robinhood. On XX/XX/XXXX I purchased XXXX shares of XXXX stock at {$250.00} a share for a total of {$750.00}. On XX/XX/XXXX XXXX had a XXXX split. My unauthorized trade occurred on XX/XX/XXXX, XXXX shares at {$130.00} for a total of {$1600.00}. I never received the money from that sale and looking at my account history there is no mention of where that money is. I also bought XXXX shares of XXXX and Robinhood still holds that stock Below is an account of what transpired : On XX/XX/XXXX at XXXXXXXX XXXX  XXXX, in the presence of a good friend, I called Robinhood and spoke with Customer Service Agent, XXXX XXXX. I told him that I wanted a statement sent to my home and also wanted to transfer my account. He told me that I would need to change my password. I didnt want to do it but he insisted. 

After I changed the XXXX I received a notice on my phone of a trade of my XXXX stock. I told him I hadnt authorized this and he needed to cancel this trade immediately. He said he couldnt. I asked to speak to his manager and was disconnected. I tried to call back but the number was blocked. 

My friend called on her phone at XXXX XXXX  XXXX and was able to speak to XXXX XXXX. She asked XXXX XXXX to transfer her to a manager. XXXX made the transfer. She waited XXXX minutes and then was also disconnected. When she tried to call back she was also blocked. 

After this I went home and tried to file a complaint with XXXX at XXXX and the XXXX. I never received a response. I also never requested the money from the XXXX XXXX XXXX as I wanted to have them reinstate the unathorized trade and was waiting to see how I could talk to an actual person. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX

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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was alerted in XXXX by Best Buy XXXX XXXXXXXX XXXX that there was possible fraud on my account. I immediately called and verified that the XXXX transactions performed on XX/XX/XXXX were not made by me and that I was in possession of my card. The agent immediately closed my card and issued a new one. On XX/XX/XXXX the XXXX charges were reversed. A few weeks later I received and activated my new card. The next communication was that I had received a letter dated XX/XX/XXXX that they were still investigating. There was no further communication until I checked my most recent statement on XX/XX/XXXX. All XXXX charges were added back to my account. I called the number on the XX/XX/XXXX letter and the agent I spoke to said the charges were determined to be mine based on the charge back information I received. She walked me through a series of questions and told me that she would escalate the issue to be looked at again and to disregard the package that was recently mailed to me with the details. I am to expect the charges to be credited to my account in XXXX - XXXX business days. 
Here are my concerns : XXXX ) this was fraud so why did they add back the charges? XXXX ) I received the package today with XXXX pages. It has the name address and phone number of the XXXX people that used my card along with much more detail. Even though it's a fraud situation I would believe this might also be a privacy issue for an information breach. 
Please feel free to contact me if you need to.

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 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On or about XX/XX/2021 Experian was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Experian is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Experian sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXXXXXX XXXX XXXX XXXX XXXX verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXXXXXX XXXX XXXX XXXX also demands XXXX XXXX XXXX XXXX XXXX to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXXXXXX XXXX XXXX XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX XXXX XXXXXXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXXXXXX XXXX is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. Experian provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA XXXX ( a ) ( XXXX ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), XXXXXXXX XXXX XXXX XXXX XXXX is required to forward all of the relevant information XXXX XXXX XXXX XXXX this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information Experian used for their investigation, as required by FCRA XXXX ( a ) ( XXXX ). 

Please reply within 15 days or delete the items, as originally requested.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX was sold to Navient and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent in certified letters to Equifax requesting that they investigate and remove derogatory account and they have failed to do so. The dispute that I open has already been completed. I have received no Validations from Equifax that the creditors provided to Equifax to validate and verify as accurate. As a consumer reporting agencies 15 U.S.C 1681a ( f ) they are governed by the Fair Credit Reporting Act 15 U.S.C. 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.

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 status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.

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 enough information to verify debt
Company: DISCOVER BANK
State: IN

Complaint narrative:
On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX  verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.

Company response to consumer: Closed with explanation