vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer, USA is reporting inaccurate information on my consumer report and is engaging in XXXX XXXX. There is no evidence of a debt, only an extension of credit that I am being extorted to REPAY. Santander agreed to comply with my cease and desist but has continued to speak to me indirectly on my consumer reports. The provision of the FDCPA is in contradiction to this debt collectors actions. 

I went to XXXX XXXX XXXX XXXX XXXX to extend credit for personal use through my open-end credit plan. XXXX charged a discount which is a finance charge of {$16000.00} according to the Truth in Lending Act. XXXX received nominal consideration for the closed-end credit transaction. I received no benefit from the authorization I provided to XXXX on my application for credit. XXXX assigned security interest and my non-public personal information to a non-affiliated third party named Santander Consumer, USA. I was not presented with my rights under the XXXX to opt-out of the sharing of my non-public personal info. Both financial institutions conspired to extort me into repaying an extension credit. That is contrary to public policy. My reputation has been harmed with the 3 credit bureaus and its harming my ability to operate in commerce. My vehicle was stolen from a XXXX parking lot during my XXXX XXXX Exam at about XXXX on XX/XX/22, two days before XXXX. My cell phone was still in the car so I tracked it to XXXX XXXX XXXX XXXX XXXX in XXXX, TX. I am being punished for non repayment of an extension of credit and extortion is racketeering activity. XXXX willfully advanced property as a loan, by unilateral agreement with no mutual assent, and knew their purpose was to make an extortionate extension of credit. See 18 USC 891-894.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JLB CORPORATION
State: PA

Complaint narrative:
Applied for FHA mortgage with more than 10 % to get denied multiple times because of inaccurate credit reporting and financial costs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX continues to extend the student loan-payment freeze but Navient keeps taking money out every month. And there is no option on Navient 's website to set up the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
A letter dated XX/XX/XXXX from CREDIT CONTROL , LLC., stating that I owe them a debt for {$14000.00}. The Original Creditor waXXXX XXXX XXXXXXXX XXXX, XXXX, who previously charged off the alleged debt. I have no contract with CREDIT CONTROL., LLC XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between CREDIT CONTROL , LLC. and XXXX  XXXX XXXX, XXXX, about me is in direct violation of my privacy per the Privacy Act of 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 2022-11-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act This account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1666B : 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 explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX I received a letter that was from XXXX XXXX, with a phone prompt that they needed a call back they were in able to verify my identity when I called the listed phone number on the letter Trans Union with a answering prompts answered and was trying to sell me, identity protection, and charge me for a credit report. Although I answered all the prompts is no at the very end I could not get a representative. They just said they would send me a credit report and its a XXXX XXXX fee.. I feel this was Fraud as a letter stating synchrony bank but the number transfers you to Trans Union credit reporting, who tries to solicit fees from you and you can not say no. When you call all you get is phone prompts you cant deny the charges and they will charge you XXXXXXXX XXXX for a credit report that you did not ask for and did not need. 
To me, I believe this is fraud

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 2022-11-23 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting 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 non-monetary relief
Consumer complaint received 2022-11-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: Self Financial Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act This account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1666B : 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
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
unable to access my banking. As a XXXX person USAA say there are no chat representatives available. 
this is a continual problem. 
they do not make accommodations for XXXX customers. their XXXX access help does not exist. WHEN i have reached chat agents they say there is XXXX protocol for XXXX customers. 
but now every time i tery to access chat it is blocked or unavailable for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
On XX/XX/2022, my brother XXXX XXXX received a call about my student loans from Navient. I do not understand how they got his phone number but thats not a point of major concern. They asked to speak with myself. He addressed himself as XXXX XXXX. They asked him to verify my DOB which he initially got wrong. They played a guessing game with the year which he eventually got right. If they asked him to verify anything else to include an address he would not have been able to. They proceeded to discuss my student loan information. He knows my account balance and what kind of settlement that they are offering and he shouldnt. He has never been authorized to speak for me. He has never been included on any of my loan documents. Never had he been noted to be a POA or anything of the sort. It is my understanding that I have a right to some level of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as welXXXX XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

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 2022-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Hello, I am filing this complaint against Tower Loan due to never receiving the information I was told would be provided for my loan account. I have been told that there is some " bug '' in their system that is preventing me from receiving the e-statements that are supposed to be emailed to me each month showing my payment date, payment amount and payment information. Every time I have tried to reach out to Tower Loan I have been told this is being worked on and that there is no time frame as to when this will be fixed. I have been waiting since XXXX. The other day I received some letter stating that this issue was of non high priority and that my account was not considered to receive any attention regarding this issue and that most customers do not face this issue. Instead of trying to resolve this issue by getting it fixed I was told that I needed to contact the area Supervisor which I have and which is whom stated there was no time frame established for getting this issue resolved. Being told that my account situation is not of any importance is not going to be accepted by me. The person that wrote this letter if they are unable to fix this then they should take the time to figure who can. The person who wrote the letter is named XXXX XXXX. Well XXXX to tell me that my account is not of any importance to your business only tells me one thing that your company doesn't deserve my business for the simple fact that your company needs to be thrown out of business if your company is not able to assist customers with their situations. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that I owe them a debt for {$14000.00}. The Original Creditor was Bank of America, NA., who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXXXXXX XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX. and Bank of America, N.A., about me is in direct violation of my privacy per the Privacy Act of 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 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: MA

Complaint narrative:
A letter dated XX/XX/XXXX from NES of Ohio, stating that I owe them an alleged debt for {$3800.00}. The XXXX XXXX was XXXXXXXX XXXX, who previously charged off the alleged debt. I have no contract NES of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between NES of Ohio and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 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 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in reguards CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

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 2022-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXXXXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
My In-laws give us Vanilla Gift Cards at XXXX and this year when I went to use it, the money had already been used. I discovered that this is a issue with these cards where hackers just guess numbers until they get through. I tried to open a claim with Vanilla and did all the steps to do that only for it to be denied because the transaction was more than 60 days old. I asked how was I supposed to know a transaction had taken place when the card was just hacked but they did not change the denial. {$250.00} was taken from me and if this is a common issue, they either need to honor the claims or not sell a product that can be hacked so easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Back in XX/XX/2022 I called them and told them that there was an illegal inquiry on my report and I did not authorize it to be placed on my report or give my information to anyone to get this card and they promised to have it removed in XXXX months and the hard inquiry is still on my report and it has now been XXXX months and it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
My account at Gemini was unexpectedly frozen and wasn't unforzen despite repeated trapped. This is unrealed to Gemini Earn. The money I have there is now trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I reached out to USAA once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call USAA over 12 times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that USAA had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get USAA to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and USAA has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: MA

Complaint narrative:
A letter dated XX/XX/XXXX from XXXX  of Ohio, stating that I owe them an alleged debt for {$3800.00}. The Original Creditor was PNC Bank, who previously charged off the alleged debt. I have no contract XXXX of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX of Ohio and PNC Bank, about me is in direct violation of my privacy per the Privacy Act of XXXX

Company response to consumer: Closed with explanation