vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
I have being trying to get a personal loan since XXXX... Loan is being denied because an auto loan i have i showing up 2x on my credit report ( XXXX ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to 4 managers and all they say is they will have someone work on it and escalate it higher up and same thing... XXXX will take up to 30 days to get issued resolved since i did try to dispute it Automotive Credit Corporation XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems one shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing 2 different amounts,, I did sent proof on XXXX where my credit report is showing there account 2x and I only have 1 auto loan with 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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On or before XX/XX/21 I was in a case accident which in turn was deemed totaled. I filed for my claim with my insurance and received the amount due. There was a balance in which my XXXX was to pay off after putting in my claim, my finance company, Chrysler Capital did not ( per both parties ), send in their paperwork in a timely manner and my claim to payoff my totaled car, so even as today, I have on my credit report which is going up, as still outstanding as not paid! I am furious!!! Nobody even after paying my premiums on time, has acknowledged nor attempted to pay in full my pending balance as of XX/XX/21. COVID, caused me a hardship and was hospitalized and since the accident, I have not had the opportunity to purchase another car because of the non responsiveness of both Chrysler Capital & XXXX. Im a senior citizen whos XXXX and need transportation. This is not my fault. Someone need to take full responsibility for leaving me without transportation. Im also on oxygen since COVID and walking to a bus stop is impossible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TX

Complaint narrative:
I have faxed documents confirming identity, as well as overnighted the required documents to lift the block on my credit report file. I have made 15 calls since XX/XX/2022, and every time I have gotten different information. The 1st time I called I was told to answer security questions for identity verification. The agent informed me that he was able to identify me. The agent also, stated that there was no freeze, or block on my file. I tried to apply for a rental property and the lender was unable to access my Equifax report. I wasted {$93.00} applying. I called back and the agent sent me a text to upload my DL, and the link would never capture the images. The agent then explained that I need to send identity documents via fax or mail. I faxed documents ( ssn, birth certificate, and DL ). I called again and was told that the fax machine was down, and in the same call the agent stated that they never receive fax documents. I sent my documents via certified mail/overnighted them in hopes of having the blocked removed. The next time I called, they stated that they have not received them. I was then told to send them to Equifax information services address. However, lenders are still unable to pull my Equifax report. I have wasted {$200.00} in application fees and {$60.00} overnighting documents. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Global Tel*Link Corporation
State: IL

Complaint narrative:
XXXX XXXX takes oney but does not give it to the inmates account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Netspend Corporation
State: NC

Complaint narrative:
I purchased a prepaid PayPal Mastercard on XXXX for {$110.00} of which {$2.00} was the stores service fee. An additional {$4.00} was charged as PayPals monthly fee. This left a total available balance on the card of {$110.00} and this was confirmed with PayPal. On XXXX XXXX, 2022 I attempted an online purchase for the amount of {$100.00} and the card was declined. I called PayPal customer service and questioned why the card was declined even though there was more than enough and I was not given an answer, just the suggestion that I deposit more money on the account. I told the rep there was no way I was going to do that because the monthly fee had already been taken out four days prior. I then asked to get all my money back and this was refused. I hope people read this because this is blatant theft and this company gets away with it.

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 2022-10-10 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: VA

Complaint narrative:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. 

15 U.S.X 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I would like to include my opt- in. opt- in to Transunion XXXX XXXX XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
THE FTC PDF DOCUMENT HAS BEEN UPLOADED TO TARGET ALL OF THE ACCOUNTS THAT WERE UNDER FRAUD. I CLAIM NO LIABILITY ON ALL ADVERSE ACCOUNTS I HAVE LISTED ON THE DOCUMENTS ATTACHED

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
complaint : XXXX CFPB keeps sending emails requesting feedback, but the complaint has already arbitrarily been close. NOT POSSIBLE TO GIVE FEEDBACK. 
XXXX has made honest attempt and succeeded at resolution. As to Equifax... I suspect they may be part of the identity theft. Not possible to access my account with Equifax. 
I had sent certified mail to each of the reporting agencies on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
FRADULENT ACCOUNTS AND IDENTITY THEFT

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In late XXXX of XXXX, I received a savings account promotional offer from Citibank while using the Citibank app. The offer was a bonus of XXXX XXXX XXXXXXXX XXXX  if I opened a Citi XXXX XXXX XXXX account and maintained a balance of {$10000.00}. Following the banks directions, I opened a Citi XXXX XXXX XXXX account maintaining a balance of {$10000.00} through the promotional period. 

In the summer of XXXX, when I had not received the bonus, I called Citibank and was told by a representative that the miles would be credited on XX/XX/XXXX based on the terms of the promotion. 

XX/XX/XXXX passed and I had not received the award. I called Citibank a few more times in XXXX and was told by customer service they would look into it. I was provided the following dispute number : XXXX. 

This past week a received a letter from Citibank that " promotional code '' used did not qualify for the XXXX XXXX XXXXXXXX XXXX bonus. 

Considering that I was directly solicited by the Citibank app and followed the banks directions to open the account, this explanation is nonsensical. 

To remedy the problem, Citibank should provide me the XXXX XXXX XXXX XXXX per their promotional offer.

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 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have been a XXXX employee for over 10 years with one year-long break in XXXX working at a state agency. In XX/XX/2022, I twice faxed my Public Service Loan Forgiveness paperwork to Federal Student Aid per their instruction. Despite having both confirmation sheets that the faxes went through ( note we were not allowed to scan and email the signed PSLF paperwork ), I was told my paperwork was never received. 

A few months later, Mohela took over servicing all Public Service Loan Forgiveness applications. I have twice received paperwork stating I am not eligible for PSLF because when I consolidated all of my loans, it appears that I have only made 2 payments total ( despite having made over 120 qualifying payments under President Biden 's loan forgiveness program that allows any type of payment up until XX/XX/2022 ). 

In calling Mohela in XXXX, they said my account would be updated by the beginning of XXXX to reflect the accurate number of payments. It is now almost mid XXXX and my account still shows that I am ineligible. Instructions on Mohela send me back to Federal Student Aid to check how many eligible payments I have but when I enter my employer ID, it says I do not have 120 qualifying payments and will not allow me to advance beyond that point ( unless I confirm that I do not have 120 qualifying payments which I refuse to do ). 

I have since downloaded my history of loan payments to XXXX and the Department of Education ( XXXX ) in the hopes this will be sufficient 'proof ' but am not sure what else to do. I am in a perpetual loop of being shuffled between these 2 incompetent organizations and fear that if I do not get a lawyer to sort this out, I will not have my XXXX in loans forgiven despite 10+ years working on some of the toughest issues the Department of Defense is facing. I have a XXXX and can not figure out this process despite putting all communications in writing and contacting each organization multiple times. I am out of options and know my loans will resume in a few months. Besides contacting the XXXXXXXX XXXX is there anything else I can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: AZ

Complaint narrative:
I was denied a motorcycle because of there false statements they stated to the agency. I then lost a job because of no transportation and lost a few pounds under all the stress that came from this. I ask for {$500000.00} dollars for my family pain and suffering.

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 2022-10-10 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: PA

Complaint narrative:
My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a tax return in my name I have also attached the affidavit from the Internal Revenue.Please delete the items as soon as possible.

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 2022-10-10 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: MI

Complaint narrative:
I would like to include my opt- in. opt- in to XXXX XXXX Equifax XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would like to include my opt- in. opt- in to XXXX XXXX XXXX XXXX Experian and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks

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 2022-10-10 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: CO

Complaint narrative:
I have being trying to get a personal loan since XXXX... XXXX is being denied because an auto loan i have i showing up XXXX on my credit report ( Experian ). I tried calling almost every day since and no one has helped in trying to get issue resolved .I have spoken to XXXX managers and all they say is they will have someone work on it and escalate it higher up and same thing... Experian will take up to 30 days to get issued resolved since i did try to dispute it XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MI XXXX ..One of the supervisor did tell me they had migrated to a different system and everything was transferred over,,, Seems XXXX shows it last updated back in XXXX and the other had updated every month like it should and of course it is showing XXXX different amounts,, I did sent proof on XXXX where my credit report is showing there account XXXX and I only have XXXX auto loan with 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 non-monetary relief
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
On XX/XX/2022, I received a notification that a fraudulent transaction ( {$200.00} ) has been been made with my debit card. I called Ally Bank and confirmed that it was not authorized. I then disputed the transaction and was told that it would be investigated. On XX/XX/2022, I received a letter stating that the transaction is considered authorized because the transaction was " completed with a merchant with whom you have established a relationship ''. I do not know who the vendor ( XXXX ) is and I know for a fact that I did not make the transaction.

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 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: SC

Complaint narrative:
I have reached out to this company several times, before they tried to collect about fixing equipment. After they tried to collect I have sent out other letters by email/regular mail, no one has responded or reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: LEXISNEXIS
State: MI

Complaint narrative:
I wrote a letter to LexisNexis to have them remove my personal information from their service. They informed they would do so within 45 business days. When I check to see if my info was still listed 60 business days after their response, it was still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-11 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX CXXXX 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 the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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