vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
Hello, Experian failed to their proper investigation once again and says that I have to reach out to the creditors. The creditors will not give me any information on these accounts because THEY DO NOT BELONG TO ME. Experian needs to do their due diligence and look into these accounts I've disputed and not just give me a computerized response. 

I need method of verification I need to know why they keep updating the accounts and marking them as verified without giving me the consumer how they came up with that conclusion. 

These accounts are ruining my good name and need to be deleted asap!

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Ive applied for credit cards on credit karma because of misleading information telling me I was pre approved for certain credit cards that I wasnt and now I have hard inquiries on my credit report XXXX cant get off!!! Let alone I didnt get the credit card! I have a credit repair agency looking into it for me now, and of course I had to pay the XXXX to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: AL

Complaint narrative:
THIS US NOT A DUPLICATE COMPLAINT! 

This company has not provided an appropriate response to my complaint. This company simply copied and pasted their original response. The company did not address the XXXX items I specifically requested in accordance with the FDCPA. 

My complaint specifically addressed the issue of XXXX compliance between the original creditor and the debt collection agency. The original creditor has NOT provided a copy of the contract that indicates my permission to release my medical information to a third party. 

I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. 

Therefore my request is twofoldvalidation of debt and XXXX authorization. XXXX ) Please provide breakdown of fees including any collection costs and medical charges. XXXX ) Provide a copy of my signature with the provider of service to release my medical information to you. XXXX ) Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed in this complaint and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 

I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: SC

Complaint narrative:
On XX/XX/2023, I attempted to make a car loan through my local credit union. They pulled my Equifax report, and it showed my brothers information instead. He has the same first and last name for reference. I checked my personal report from Equifax using my social/DOB/address and, sure enough, my brothers report came back. When I called Equifax, I was told that they could not confirm my identity and I would have to fax in all my personal documentation ( e.g. SS card, drivers license ) and estimated a minimum of 5 business days before acting on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting information on my consumer report that is causing harm to my personal life. It is TRANSUNIONs duty pursuant to the FCRA to report accurate and correct information on my consumer report, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-01-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as XXXX, TransUnion, XXXX, or XXXX. They report to pacer an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX of Michigan explaining they do not give XXXX, transunion, or XXXX the bankruptcy XXXX information it was illegally token from pacer. 

So how is it verified? 

BANKRUPTCY XXXX 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 non-monetary relief
Consumer complaint received 2023-01-26 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: MI

Complaint narrative:
The US Bankruptcy Court XXXX XXXX of Michigan, located in XXXX, Mi. Says they do not report or release court documents to third parties such as LexisNexis, XXXX, XXXX, or XXXX. They report to XXXX an website for court reports not credit. I have a letter from the US Bankruptcy Court XXXX XXXX XXXX Michigan explaining they do not give XXXX, XXXX, or XXXX the bankruptcy XXXX information it was illegally token from XXXX 

So how is it verified? 

BANKRUPTCY XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that Experian, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: VW Credit
State: CA

Complaint narrative:
Sued Audi for brand new XXXX XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. Audi agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. Audi Financial sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I WAS NEVER LATE IN OF XX/XX/2021 ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/23, I made my regular paycheck deposit of {$2300.00} into my account and as usual, it cleared the next day and I started using the money. Santander bank then placed an extended hold on my account and deprived me from accessing the money I need to sustain my family and run my business. The problem is that they have already cleared the check and they have done this before and have apologized that since the check has been verified and the same amount is deposited into my account every two weeks, this should not happen again. I called to speak with multiple people in the bank and they could not give me a reason for the hold nor do they have the authority to remove it. My boss got confirmation from her bank that Santander bank has received the funds but they are holding on to it causing my family hardship and other bank fees. I want Santander bank to release my money and to not charge me fees resulting from their irrational actions and to be responsible for other bank fees related to this action.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is regarding a Chase in-app promotion via the offers they solicited as an upsell and the mailer I received. 

During an application for a business card in XX/XX/2023, a hard inquiry was made to my personal report rather than my business report. 
Chase advised me that they designed it to work that way even though the application states : # XXXX. I understand that when I accept this offer, Chase will post an inquiry to my credit profile. 

As a new and underrepresented business owner, it needed to be clarified what chase meant by my credit profile. They told the personal side, not the business credit profile. 

I called chase to ask that the inquiry be removed/deleted since it wasn't clear it was on the personal side, and I was informed under no circumstances would they do that even if the application was deceptive. 

I would like for them to please fix/update their promotional/marketing/application materials so that it is clear without any confusion that when applying for a business credit card, Chase will put a hard inquiry on the " personal '' credit profile. 

This would help new business owners better understand what is happening, incredibly since immigrants from different national origins ( many times without having a USA-based personal credit profile ) open new businesses at a higher rate than USA natural-born citizens, which can lead to discrimination that disproportionately impacts them if they were unaware that when applying for a business card, would affect their personal credit report and may also lead to higher declines due to their thin personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX As an existing credit card customer I contacted Wells Fargo to make a product change from my existing XXXX card to their cashback card offering the following promotion : " Earn a {$200.00} cash rewards bonus when you spend {$1000.00} in purchases in the first 3 months. I exceeded the {$1000.00} in purchases within the first month. Contacted XXXX and was told I didn't qualify as this was not a " new '' card and that " changing products '' did not qualify. 

At no time during the conversation to change to the different card, nor in their online agreement does it state that I was not eligible for the {$200.00} cash rewards bonus and yet with the exception of one representative, they say I'm not eligible. The one representative, XXXX XXXX, later agreed with my claim, she however did not have the authority to credit my account and so I was transferred to her supervisor who I left a voicemail for. This supervisor did not return my call. After many more calls, requests for escalation in an attempt to have a conversation with a supervisor, not one supervisor returned my calls. To date, Wells Fargo has yet to provide proof that I don't qualify for the promotion. 

Following are the dates I contacted XXXX along with the representative or supervisor and the case numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left voicemail XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX, later requested to be transferred to her supervisor, voicemail left XXXX XXXX XXXXXX/XX/XXXX : Left message for XXXX 's supervisor, name unknown, voicemail left again. Return call not received XXXX XXXX Link to the promotion and terms/conditions : XXXX Thank you in advance for your assistance.

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a capital one account 4 years ago and used the card XXXX time. After using the card I called the number on the back to make payment and was told I can not make payment because the account has been frozen for identity issues so the ask me to send a copy of my ID and a copy of my social security card and a piece of mail with my name and address preferably a bank statement or bill so I did all of the above and about XXXX months go by and I get contacted that my ID wasnt good enough because it was a pass port card and I needed a state ID and I told them that I was not paying to get a card that I do not need that a passport is federal and they said they would not except it. So another month goes by and I received a call from a lawyer saying my information has been compromised by the credit company capital one and I explained what had been going on with them not letting me pay my account and close it because of the stuff they put me through. The lawyer said he could take payment and clear everything up and remove any outstanding charges and interest and he did exactly that. But then I received a copy of my credit report and it shows capital one as being substantially late by 120 days. I sent them all the information I had and they took it down to 60 days late and its been making my XXXX XXXX go down every month since. Now its been 5 years and I have excellent credit with all my accounts and have never paid late or missed any payments but because capital one still shows for 7 years the I miss payment for 60 days late and it takes over XXXX points off my XXXX XXXX every month and I cant get my score to go above XXXX points after all this and it still affects me every month for XXXX more years and thats not fare. I tried to take care of this immediately and they wouldnt let me in because the account stayed frozen for 120 days. Thats how theyre keeping it on my credit report and thats not fair. Ive been XXXX years with excellent credit and they are destroying my credit report every month and I can not get my score to go up and its holding me from getting better credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This complaint is about how funds were applied to the subject mortgage and why there is a partial claim lien on the property. 

I received a grant from XXXX the XXXX XXXX assistance in XX/XX/2022. My mortgage loan was reinstated with {$12000.00} and I was scheduled to receive six months of payments which added up to {$4300.00}. My total XXXX  assistance through XXXX the XXXX added up to {$17000.00}. However, it appears, my loan was reinstated prior to receiving the XXXX the XXXX assistance using a partial claim in the amount of {$11000.00} in XX/XX/2022. 
I spoke with XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and she has confirmed the XXXX XXXX XXXX  monies were paid out to US Bank for my mortgage loan.

Since it appears both monies were applied to my mortgage loan, the math does not make sense on what my balance owed on the mortgage would be given the initial loan amount was only {$100000.00}. 
Questions : XXXX ) What happen to the monies from XXXX XXXX XXXX XXXX ( {$17000.00} ) XXXX ) Shouldnt the partial claim lien have been removed from the mortgage account? The reinstatement amount that was given to XXXX the XXXX should not have been so large if a partial claim was used to reinstate the loan.

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 2023-01-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I should have had all of my " private defaulted loans '' wiped from Navient, yet one remains, XXXX that has been in default since 2009. 

All of the other private defaulted loans were forgiven under this 39 AG state class-action. 

XXXX XXXX XXXX XXXX XXXX XXXX Can you please advise?

Company response to consumer: Closed with explanation