vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica
State: FL

Complaint narrative:
I am the successor trustee to the XXXX XXXX XXXX that holds a checking account ending in XXXX. I have been attempting to get transfer of funds in for a number of months without success. I have been working with XXXX at the XXXX XXXX XXXX  branch and provided originals of death certification, Certification of Trust, copies of trust documents and all other required information. I have not received any feedback or response and I am unable to get this resolved. 

In the interim, another branch has contact me house to speak with my deceased father to sell new products. I advised that he is dead. I then received a new communication of a change address. I am concerned about fraud on the account and the fact that the bank will not respond to my request for transfer. 

Please help me look into what is needed to resolve open questions related to transfer of assets on the deceased accounts? What actions have been taken to protect funds both in the checking and savings account ( the latter of which was titled incorrect by this bank and is now the sole asset in the a probate proceeding )? What information is supporting a change of address and other activity on the account per the communication sent to me by this bank advising that there had been changes in the account information. Note that when I called the XXXX number provided I was told I could not do anything expect go into a banking center ( In XXXX while Im in XXXX  ) because I could not tell them what year my deceased father opened the account over 25 years ago. 

Please help. I am having issued with deceased account and potential sales practice issues with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I made a purchase in XXXX for {$720.00}. The order says it was delivered but it was not. A claim was filed with XXXX and XXXX determined the item was not delivered to me. The claim was approved claim # XXXX. The claim was paid to the seller on XX/XX/XXXX. The seller will not return my money so I filed a claim with Santander Bank. I provided a letter from XXXX XXXX XXXX that states the the claim was investigated and the claim was paid directly to the seller. I explained this to Santander Bank but because the seller provided them with the tracking information showing it was delivered they denied my claim. I explained that is why we opened the claim with XXXX  because it does show delivered however it was not delivered to me. That is why XXXX approved the claim and paid the seller. Now the seller has the {$720.00} that I originally paid and they have the {$720.00} that XXXX paid them.

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 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
This loan was offered through XXXX XXXX, applied to for the loan. Was approved for XXXX  USD. Upon applying for that consumer transaction, ONEMAIN, is now requiring collateral which was advertised as a option not mandatory to have, to be given this loan which is already turned into a Promissory Note aka a security instrument, this was on XXXX. On XXXX until present day, have been seeking to speak to the Branch manager XXXX XXXX and the underwriter, as of today XXXX, one called spoke with XXXX XXXX and she would not get one access to the Underwriter and said she will have her assistant manager reach out, spoke with XXXX XXXX, asked to speak with the underwriter was nformed that the underwriter is a computer, so a computer is securitizing these Promissory Notes? Informed both individuals of their violation s of the Consumer Protection Act and Laws which they did not even look at each code one gave XXXX continued to keep speaking on Fair Credit Act and disregarded the Consumer Protection Act and Laws. Today XXXX, Before reaching XXXX and XXXX, one spoke with the main call center and asked to speak with the underwriter and was informed that they don't have a number and that the Branch Manager would have to give one access to speak with a underwriter. With this information and with what one was informed by the Branch Manager and her Assistant Manager clearly there's deceptive practices transpiring here. Nothing is matching up to the truth. They have access ones credit and now requiring a down payment to receive the loan when this is in fact a Consumer Transaction and not a credit transaction and as a consumer one stated " want a listing of all factors were involved with this consumer transaction '' was denied this also. This is clearly a violation of multiple consumer laws. Charging to access one 's credit after already pulling a hard inquiry. 15 U.S.C. 1681 15 U.S.C. 1611 15 U.S.C. 1692j 15 U.S.C. 1601 Note - was informed that this was an unsecured personal loan and needed to give collateral however that's not what is advertised. It's advertised the opposite way and as for the location being Utah, there's no stipulations as of loans in that location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
To whom : it may concern I rented merchandise from XXXX. XXXX thru Acima credit and I negotiate a short-term payout last payment was due on XX/XX/2022 money was in the account in which that didn't withdraw on a due date I didn't notice of said action until after would be made it to appear that I didn't pay in which it was set for automatic payments for Acima to subtract from the account. 

Then in the month of XX/XX/2022, I reviewed my credit report and saw that Acima reported that my account was paid out and closed and they keep harassment going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I was enrolled in a paramedic degree for several years. After taking many classes I reached a point were I was denied access to finish classes because of my criminal history from 10 years prior. I was told by the school I could no longer pursue my degree and had to switch. I am now in debt for classes I took that have no value and have to pay for them not knowing from the beginning I wouldnt be allowed to finish my degree I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NY

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: KY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX XXXXXX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX  collection account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX collection XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX  account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}

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 2022-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I purchased a ( XXXX / XXXX XXXX ) & it was finanacised by Consumer Portfolio Services, and I agrred to the Terms of this Contract, even though the Interest Rates were very high, I signed the document & agreed to pay on time. The problem began once I began to make my monthly payments & once I received my Billing Statements, I realized that a GREAT PORTION OF MY PAYMENTS, WERE BEING DIRECTED TO THE INTEREST!!!! Also I was Charged ( {$2600.00} ) for an Extended Warranty that WAS DENIED BY THE XXXX XXXX WITHIN THE FIRST THREE MONTHS, BUT I AM STILL PAYING FOR THIS WARRANTY THAT HAS BEEN DENIED. Since submitting several complaints to the CFPB, I have received an updated payment record, showing the OUTRAGEOUS INTEREST DEDUCTIONS THAT XXXX, IS WITHDRAWING FROM MY MONTHLY PAYMENTS. The Contract that the Dealership created, stated that ( 26.60 % ) would be deducted every Year, but I have calculated the total Interest Payments that is being with held from each monthly payment, that ranges from ( 21.677 % to 67.583 % ) EVERYTIME I MAKE MY MONTHLY PAYMENT, THIS MAKES NO SENSE AT ALL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I originally filed a CFPB complaint on Experian on XX/XX/2022, the complaint number is XXXX. My initial complaint stated that all of my accounts and hard inquiries on my Experian consumer report were placed on there without permissible purpose pursuant to USC151681b ( a ) ( 2 ). I received a letter from Experian about almost a week later stating that certain accounts pertaining to file number # XXXX were already verified in the past by the " XXXX XXXX '' so that they won't do an investigation on those particular items which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I also noticed that when I logged on to my Experian account that they verified 3 additional accounts related to the same file number which was # XXXX. Experian claims to have verified XXXX XXXX  ( XXXX ) on XX/XX/2022. They also claim they validated XXXX XXXX XXXXXXXX that starts with XXXX on XX/XX/2022, and lastly they said that they verified XXXX XXXXXXXX that starts with XXXX on XX/XX/2022. Within a span of 4 days ranging from XX/XX/XXXX through XX/XX/XXXX they claim to have verified the 6 accounts I previously mentioned. According to the 15usc1681i ( 7 ) of the Fair Credit Reporting Act I am entitled to a description of the re-investigation procedure if I request it and they have a 15 days to send it. On XX/XX/2022 Experian received my letter certified mail requesting the description of reinvestigation procedures ( Tracking # XXXX ) and as of today XX/XX/2022 It's been 16 days and i still haven't received a response from them. Since Experian has refused to comply with the FCRA then I would request that the 6 accounts that I mentioned in this complaint be permanently removed from my consumer report immediately. I will attach supporting documentation below which will include the tracking number/original description of reinvestigation procedure request, the original letter experian sent me saying that they refuse to reinvestigation 3 accounts, and pictures from my experian account login claiming that they verified three additional accounts.

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 2022-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm trying to login into myequifax.com to manage my credit freeze. On XX/XX/2022, I spent about 2 hours on the phone trying to get logged into my account. I was never successful, so I can't get credit, even though my score is around XXXX. The representative was unable to verify my identity- their software appears woefully buggy. 

When I try to login to the account, I get the message " We are temporarily unable to complete this request. '' The message never changes, day after day. 

I requested and received a verification code my USPS mail. Today, I went to my.equifax.com/pin and entered the code. It said the account was setup. When I went to login, I get the same message : " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on XXXX and {$170.00} on Experian. N o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.

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 2022-09-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file 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 2022-09-12 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have contacted the credit bureaus about inquiries on my report that I do not recognize and after not receiving any response I contacted the creditors to verify the inquires on my report. 
I contacted the credit bureaus more than 2 months ago and it has been 30 days since contacting the creditors in which I sent certified mail that I have the receipts for. I still have not received a response.

Company response to consumer: Closed with explanation