vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Item arrived damaged, requested a return and no one picked up the box. Filed dispute on credit card.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have recently initiated a dispute concerning certain entries on my TransUnion, XXXX, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by TransUnion, XXXX, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that TransUnion, XXXX, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with TransUnion, XXXX, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, TransUnion, XXXX, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with TransUnion, XXXX, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have recently initiated a dispute concerning certain entries on my XXXX, XXXX, and Equifax credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by XXXX, XXXX, Equifax and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, XXXX, Equifax 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, XXXX, and Equifax 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, XXXX, and Equifax has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, XXXX, Equifax 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I was sent a pre-approval and I am still receiving pre-approvals but when I went to apply I was denied. They have been and are continuing to harass me through email and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a payment from my XXXX account to Santander Consumer, INC for the amount of {$42000.00}. On XX/XX/XXXX, I contacted Santander Consumer and asked about the payment and was told they do not have it. Knowing the payment was sent by mail I assumed the payment was lost. I stopped payment on that check and immediately send check # XXXX in the amount of {$42000.00} ( that payoff good until XX/XX/XXXX ). On XX/XX/year>, the check for XXXX cleared my bank. On XX/XX/XXXX, I log onto the Santander website and see my payment has not been posted and my account balance is {$42000.00}. I contacted Santander Customer Service who told me, We see the returned check and the check that cleared. Unfortunately, we haven't had time to process the payment to your account. We will need to complete a request to have your payment applied to your account which can take seven to 10 business days. All the while, the interest of my account is rising daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint because equifax has completely ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ''. That I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: OH

Complaint narrative:
This issue is about brinks money/mastercard an individual has been stealing funds digitally and physically from my account this company has known about this for 6 months and in that 6 months I have not had access to my money since then we are talking about over XXXX XXXX dollars of my own money been saving for a year it's been nothing but excuses and disconnected phone calls along with incompetency my next course of action will be taking this to a law firm for a lawsuit.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX, XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX Equifax and XXXX i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and any thrid party financial institution and the Consumer reporting agencies XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I began the process of opening a " checking account '' on Chime on XXXX. I'm not 100 % sure but I apparently did something out of the ordinary while sending my {$9000.00} to the chime account, and consequently had no bank record at my bank of the transfer because it went through as a transfer rather than a deposit. It was all done online. I received an email from XXXX that says Transfer Initiated. I am attaching a copy of this email below for your reference. There is no documentation of this transfer at my bank until XXXX when the money cleared from my checking account. There is a hitch regarding this transfer as it cleared my bank as XXXX rather than Chime which just seems to add more confusion to this issue. 

The real issue here is that my account at Chime is locked. I don't know what my account # is unfortunately. I never got that far. All I can say that the account is linked to my cell phone # which is XXXX I have been back and forth with Chime " Member Protection Team '' at least 25 times unsuccessfully as they are insisting that they have to have a copy of a bank statement from XXXX XXXX XXXX dated XXXX showing the transfer of the {$9000.00} to Chime. The problem is there is no such entry on my checking account. The only record I have of this transfer is the email from Chime and then finally on the XXXX of XXXX the money cleared and showed up on my checking account statement. I have made several trips to my bank and they provided a letter documenting all activity on my checking account which verifies that there is no documentation of anything on XXXX. So ... ... ... XXXX has my {$9000.00} and I have no way of getting to it. They have said on the phone that they can see that my money is in the Chime account. I know this isn't legal- it's Fraud isn't it? 

The message you will see in my attachments from Chime in response to my submission of numerous documents and letters was received by me over and over again. It felt as though my problem was being handled by a computer rather than a person. They refuse to offer any kind of solution aside from the demand over and over again a document that doesn't exist!! 

I really need help. I'm a retired XXXX. I'm XXXX XXXX XXXX and I'm at my wits end trying to make any headway with these people. We're not in a financial situation where we can afford to absorb this loss. I dearly hope that you are able to resolve this and have our account unblocked or force them to just return my money. I wouldn't use this Chime account if my life depended on it. I'm going to forward copies of my correspondences. 
I thank you in advance for your intervention in this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EdFinancial Services
State: NY

Complaint narrative:
I have been trying to get my student loan servicer, XXXX, to process my XXXX XXXX education award for four months now. I submitted my payment on XX/XX/XXXX, and was told by multiple EdFinancial agents that it would be processed by their finance department in 14 days. This did not happen. I would wait on hold for up to 4 hours, or wait for a call back and never get it. Every agent has told me something different about timelines. In XXXX of 2023, EdFinancial told me I needed to upload proof of payment, which was not told to me by any other agent up to this point, there was no location to upload proof of payment, but I uploaded it to a few other document spaces and emailed, and I see it in my Edfinancial account inbox as having been sent in. I also saw an update on XXXX end ( they have done everything correctly and in a timely fashion, unlike EdFinancial ) that it was accepted by the Institution ( this was over 3 months after my XXXX submission ). It said the payment was accepted by the Institution on XX/XX/XXXX. On XX/XX/XXXX, I had called ( as usual, about every two weeks to check status ). I was told that they would escalate my case to emergency status, and it would take 10 business days to process. Nothing changed. I called again, and asked if I would need to make my monthly payments to avoid credit score impact. They told me nothing would impact my credit score, and that I did not need to pay. I would get no warnings. However, in XXXX my payment was labelled delinquent. I paid because I was nervous about my credit score and financial standing. I talked to a supervisor. She said I didn't need to pay. She said she would submit the emergency request ( which was never filed, although I was told by the agent in early XXXX it was ). She would also submit a forbearance request. Neither of these have processed, now a month later. Every agent says they can't talk to finance, and finance can choose when they want to process the payment. I have been responsible, and XXXX and I have submitted all proof. 

I would like to file a complaint based on misinformation I was given on timeline. I was promised 6-10 days processing. Then 10-14. Then 30 - 60 days. Then 60+ days. Finally on XX/XX/XXXX I was told I was " misguided '' and that there is no processing turn-around time. Finance has no deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: R&M Marketing Associates LLC
State: VT

Complaint narrative:
I had began working with Debt Advisors of America near the end of XXXX, XXXX, with their representative XXXX. During a phone call where XXXX went through how the program works and went over the contract with me ( which they did not prove me a copy of whatsoever ), I had asked him if/how their recommendations would affect my credit score. XXXX assured me that while my credit score would lower as a result of initial missed payments, it would begin to recover after 3-6 months as the payments begin being made from their company. We are now nearing 15 months since I began working with DAA and my credit score is still nearly XXXX points lower than it was prior to working with them. XXXX had assured me my credit score would recover quickly, as that was my one concern prior to agreeing to work with them, and he provided me false information that, had I been told truthful information, would have led me to not sign their contract. I have tried contacting them through the XXXX XXXX XXXX to file a complaint there, but they simply stated XXXX gave correct information and refused to discuss any further, and refuse to provide evidence of their claims via their call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, there was fraudulent activity on my capital one card. There was a cash advance of {$120.00}, and then two payments made to my account for {$820.00} and {$100.00} - accounts that the individual had linked to my account that were not mine. I reported all three transactions as soon as I found them which was on the XXXX as the transactions were pending. A replacement card was sent and a day or two later, I received a letter stating that capitalone found my fraud case to substantiated. However, I am still being charged cash advance fees and interest, and have attempted to remedy this with the cardholder. IN addition, my account has now been closed due to returned payments, despite that I reported them multiple times as being fraudelent payments. I am being told that I must take corrective action immediately if I want my account reopened, however, this was FRAUD. I do not want this on my credit report that I had returned payments because I violated the user agreement and that my account was closed. I also should not be being told that I must take corrective action for fraud.

Company response to consumer: Closed with monetary relief