vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particular car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! 
They let my credit be ran over 20 different times! 
I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over XXXX in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over XXXX. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn my car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.

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 2022-03-22 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: IA

Complaint narrative:
XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particul

ar car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! They let my credit be ran over 20 different times! I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over 700 in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over 600. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn m
y car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.

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 2022-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
My problems all started when my wife and I needed more money than we had originally borrowed on a home equity loan. We applied for the new home equity in XXXX of 2021. We originally borrowed {$40000.00}. We asked for {$55000.00} on the new one, so they closed out the one for {$40000.00} and created a new loan. Instead of closing out the home equity loan they closed out my original mortgage. They took the money from the home equity loan to pay off the home mortgage. While all this was going on they were switching the mortgage payments over to XXXX XXXX  XXXX XXXX I paid my mortgage in XXXX and XXXX for {$590.00}. They closed out the account in XXXX. There was also payments made on the Home Equity loan for {$400.00} for XXXX and XXXX. I also sent the bank {$2000.00}. I was sent some documents form the XXXX, NY office of changing my interest rates on both loans to make up for their mistake. They were going to change the mortgage to 2.5 % and the home equity to 3.125 %. They were also suppose to take out my mortgage and home equity out of checking accounts with XXXX XXXX  and Berkshire Bank.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I HAVE HAD ACCOUNTS AT AMEGY BANK FOR 14 YEARS AND THEY DECIDED TO CLOSE MY ACCOUNTS BY XXXX. FIRSTLY I LOST USE OF MY ON LINE ACCOUNTS IN MID XXXX AND THEY STARTED TO RETURN CHECKS TO PEOPLE I WROTE CHECKS TO BEFORE THE XX/XX/XXXX DATE. MORE IMPORTANT IS THAT I HAD NINE CD 'S 1. {$10000.00} 2. {$1000.00} 3. {$26000.00} 4. {$10000.00} 5. {$10000.00} 6. {$5000.00} 7. {$6000.00} 8. {$1000.00} 9. {$50000.00}. I was earning interest on all the cds and none of the terms had expired. Amegy bank closed all the cds without reason and sent me checks XX/XX/22 and XX/XX/22 not paying me interest on the cds from there closure and holding the checks to send out XXXX XXXX. On XX/XX/22 I received a call from the bank that they have stop payment and are sending the cds to XXXX XXXX even though I am not in default with XXXX XXXX. I did not agree to this and I am losing money because Amegy violated my contract with them. I also need access to my old accounts for tax reasons. I think that Amegy should reinstate my cd and give me my back interest.

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 2022-03-22 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: AES/PHEAA
State: TX

Complaint narrative:
Hi- This is a federal loan. I don't understand why this isn't deferred until XXXX, like all the other Federal loans? 

This loan was originally handled by XXXX XXXX XXXX XXXX back in XXXX during a " loan rehabilitation '' by a person by the name of XXXX XXXX who : 1 ) Communicated to me at place of employment even though collector knew the employer prohibits such communication. Also led to lower wages due to less hours worked due to long waiting times ( 30 min - 1 hr ) 2 ) Called over and over again After the " loan rehabilitation '', XXXX transferred the loan to AES ( American Education Services ). 

AES has been reporting late payments to the credit agencies & negatively impacting credit scores, even though there is a pause on federal loans. 

Is there a reason for this? I've asked them multiple times and they have not responded with any answer. 

Also this is a loan from XXXX, why is it still outstanding? Either be private or be the government. This company is profiting and benefiting from privileges given to private companies & governmental agencies without incurring any of the negative ramifications that COVID19 has left society. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I agreed to the existing pmt arrangements and am amenable to paying my debts at a lower amount. Please help as I am considering a Chapter XXXX. Please help me.

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I got a text message with the caller ID of Wells Fargo. It asked me if I had approved a charge in Florida. I have received these calls in the past from Wells Fargo in the past asking if I had authorized something. When I replied NO, I got a call with caller ID again saying Wells Fargo. The man identified himself and stated he worked in the Wells Fargo fraud department. 

He told me he was going to put me on hold and call the FCIC. While I was on hold three other notifications came through on my phone saying another XXXX XXXX dollars of charges had just been made. When the man returned to the line I informed him that another XXXX XXXX had just gone through. He stated he saw that and he had spoken with the FCIC and he needed me to log on to my account and get into XXXX. 

I had never once used XXXX and did not know how that program worked. He told me that I had to start transferring the XXXX XXXX out of my account and move it to other accounts I had. Unbeknownst to me he had it going into another counter other than mine. He stated the next day a supervisor in the fraud department would call me. 

The next day I did not hear from the fraud department and called them. They informed me they never sent me a text or called me. They send me to the fraud department to file a claim and they then said they couldn't take the claim b/c I had sent the money myself and put me back to customer service. She then told me clearly I had been scammed and they would start a investigation. 

It is now XX/XX/XXXX and they have refused to help me get my money back. It is my understanding that according to their policy if you are unknowingly are scammed they do refund your money. I also asked for documents they say I legally have a right to get to show me how they investigated this. All they sent me was a copy of the statement that shows where the money was transferred out. 

Finally, I have all of the text messages that were sent to me on XXXX from the people that scammed me. I have offered to provide Wells Fargo these text and they said they will ask for them if needed. As of XXXX, they have yet to ask for them. 

Can someone please help me get my {$3000.00} dollars back. 

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 monetary relief
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
I would like to ask for your help regarding these unauthorized inquiries in my credit report. Been reporting these for two months now but they haven't gotten them off of my report.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a car loan with XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
I tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: FL

Complaint narrative:
Good day. This is written to place a complaint on the bureaus that have respeated reported wrong accounts, unauthorized inquiries and identity theft incidents on my credit report. I wrote to them last month but these accounts are still in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I made a settlement agreement with XXXX XXXX. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. XXXX XXXX has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or XXXX even after uploading proof documents to experian

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 2022-03-22 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XXXX, I started seeing derogatory marks on an account I did not recognize. Upon research I discovered that there was a Synchrony Bank Paypal credit account showing delinquent. I opened several fraud claims as I did not authorize charges. I had to request statements to show the charges I did not authorize and received them in XX/XX/XXXX. I faxed this over and received a resolution letter showing fraud claim approved and my credit reports would be updated with all bureaus on XX/XX/XXXX. Account is still reporting on my credit report. Called back XX/XX/XXXX, and told all of my fraud claims have been denied and no proof of approval. I was told it was due to the type of fraud claim was showing identity theft and should've been transactional fraud. Told I needed to fax the charges again. I received a call on XX/XX/XXXX, when I called back on XX/XX/XXXX, no one knew what I was calling or talking about and had to go over all of the information again. I faxed the charges detail and the approval letter on XX/XX/XXXX. I also have mailed letters to the president of Paypal and Synchrony bank in XX/XX/XXXX and to date still have not received a resolution. Every time I call, it's 45 minutes of wasted time as I am told something different.

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 2022-03-22 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 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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