vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To whom it may concern : In 2018 I applied for and XXXX, I sent in my application as well as my proof of income which at the time was all I was told to send in. Nelnet stated that I was missing information ( one or more items missing ). They stated that they tried to send me the items that was missing in the mail and when I asked what address they sent it to, their reply was that they did not have my address on file ( if I turned in an application, I would think that my address would be listed on my application ) which is a contradiction because later on in their letter they miraculously found my address of which they claim they were sending bills out to my address, but it was only after I sent this to the CFPB that they so call found my address. They stated that they were sending me emails and calling a number that I did not have. Any time I get a new number or new address I know it is protocol to call and update my information which is something I have always done so I don't understand why they are saying they didn't have any of my updated information! 
This is all just a misunderstanding and they are punishing me for their mistake! This is not fair because this has caused me hardship and damage to my credit report! I have attached a copy of the letter where they are contradicting themselves. I would like for these late payments to be removed within the next 30 days or I will have my consumer lawyer get involved with the matter and sue for damaged to each of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AZ

Complaint narrative:
Hi there, I didn't authorize these inquiries and I'm not benefiting from these inquiries on my experian as follows : XXXX, 2021 # 1XXXX XXXXXXXX XXXX XXXX # 2. XXXX XXXX XXXX XXXX XXXX, 2021 # 3. XXXX XXXX # 4. XXXXXXXX XXXX  XXXX # 5. XXXX XXXX XXXX XXXX # 6. XXXX XXXX XXXX XXXX # 7. XXXX XXXX # 8. XXXXXXXX XXXX  XXXX XXXX # 9. XXXX XXXX, 2021 # 10. XXXX XXXX XXXXXXXX XXXX. XXXX, 2021 # 11. 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 explanation
Consumer complaint received 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I was seen at XXXX XXXX in XXXX Kentucky in 2017. I provided them with my insurance card when seen and then I called them to provide the information. I assumed it was taken care of because I never received anything stating it wasn't until it showed up on my credit report. They obviously never corrected my account as having insurance and the insurance was never billed. They stuck me with the bill on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX a vehicle that was financed through Honda Financial Services was in an accident that caused some damage and later considered " Totaled ' from the adjustors perspective. During this time I worked with Honda Financial numerous times to understand how to either pay for damages or value of vehicle to repair and use or attain funds to get another form of transportation. At this time I called Honda Financial Services to discuss delaying payment options until I could formulate an action with the insurance company to cover the remaining amount owed. From this Honda Financial Services refused to work with me and on XX/XX/2022 impacted my credit score by XXXX points. 

VIN # XXXX ACCOUNT # XXXX Attached is the vehicle and account to reference but I would like this credit impact to be removed and for the bank to work with me while I attain funds from the insurance company to cover the remaining amount owed. 

Honda Financial Services ( XXXX ) XXXX or ( XXXX ) XXXX is contact numbers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
Just pulled update and dont understand why I see this negative information. I already sent few rounds of complaint about these accounts already. I believe that someone have my personal information and applied for 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 non-monetary relief
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
I applied for an Apple credit card, through Goldman Sachs, around XX/XX/XXXX. When I completed the application on line, it stated that the interest rate would range from 10.99 % to 21.99 % depending on credit rating. I was not advised of the exact rate until after the card was in my possession and the card was enrolled in Apple Wallet. At that time, I discovered I had been assigned an interest rate of 21.99 %. My credit score was and remains over XXXX. 

I called Goldman Sachs on XX/XX/XXXX to inquire why they thought it was appropriate to charge the maximum and to ask what they would charge someone with a lower credit score. The customer service representative ( CSR ) told me I would need to take that up with the credit rating company, such as XXXX XXXX, to which I replied that the bank sets the rate, not the credit reporting agency. Despite numerous apologies for the 'inconvenience ', Goldman was incapable of speaking to the issue, even though I was put on hold several times for the XXXX XXXX consultation with the 'supervisor '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I had XXXX XRP in my Coinbase wallet. The last time I saw it was on XX/XX/2021. Later that same day it had disappeared. I am including screenshots of my wallet taken on that day. 

I have submitted many tickets trying to get it back. This hasnt worked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Loan still shows open on credit report. Contacted XXXX XXXX. They told me to login online. Loan does not show up. They refuse to send a statement. Need paid in full statement for mortgage. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Braviant Holdings, LLC
State: TN

Complaint narrative:
Have received mail for someone who does not live here for over 4 years. Repeated requests to remove her from my address. Chic from XXXX XXXX refuses to remove her until I give my SSN and birthdate. I have refused. What can I do to get them to stop sending this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
I was checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information

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 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-04 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-04 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: VW Credit
State: GA

Complaint narrative:
I Sent in a copy of my ftc report along with my police report to XXXX, which they received on XX/XX/XXXX. I called on XX/XX/XXXX and they stated it will take up until XX/XX/XXXX to get results and refused to give me an explanation as to why it will take more than 30 days. This is after repeated request for them to provide me the information that they are allegedly using to verify if the account is accurate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Re. An Apple Credit Card via Goldman Sachs On XX/XX/21 I ordered a XXXX for {$3200.00} and a power adaptor for {$19.00} plus tax The website offered installment payments if I applied for an Apple Card, so I did. 
My receipt shows that my monthly installment would be {$290.00}. The Charges to my Apple Card Today portion of the receipt was {$300.00}. 

As I had a {$5500.00} credit line and opted *not* to purchase the laptop outright, I assumed I would have over {$5000.00} in credit available. 

I got a shipping notice today that said the computer would not be shipped until the end of XXXX or early XXXX. This was too long a wait as it is a business computer. So I canceled the order today, XX/XX/XXXX. 

When I looked at my statement today, it showed {$300.00}. However the available credit was {$1600.00}. A only the {$20.00} purchase was shown on my statement, however, not the explanation of what the other charges were. Now that Ive looked at the other numbers, it was clearly the first installment on a computer that had not yet shipped. 

***the actual problem *** The credit available was {$1600.00}. I had only spent {$20.00} on a physical product. They had withheld from available credit the entire price of the computer PLUS the first installment. So they are withholding XXXXmore* than I should have been charged on a computer that had not yet shipped, and thus had been canceled. My available credit should have been {$5100.00}. 

The reason I, or anyone else, chooses the installment plan is to have that credit available. I do not understand how a credit card company can withhold the entire purchase price plus additional funds. 

As a result, I do not have the credit I counted on to be able to purchase the computer I need for my new business. In addition, this could reflect poorly in terms of my credit score, as my debt to credit ratio is 30 % instead of 0.30 %. 

I appreciate any help or insight you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I received a Bank of America debit Visa card and I do not have any account at Bank of America. I called to inquire why this card was mailed to me. The number I called wasXXXX. I was told to contact XXXX XXXX XXXX XXXX XXXX. The representative said she had no phone number and I should search the internet for a number. I want to know why Bank of America sent a prepaid debit card to me that I never requested. And I would like to ensure this does not happen again. I also have a freeze on my credit so I do not understand how this card was approved to send to me. 
Thanking you in advance for your assistance in 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 2022-01-04 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: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My XXXX lease with Toyota Financial Services ended, XX/XX/XXXX. I received the closing statement and paid it. Account was closed never late. 
I did the annual credit check XX/XX/XXXX and found on XXXX negative comment about a balance due. The online account does not show a balance due. They never sent any communication about a balance due. In XX/XX/XXXX they placed a comment on XXXX without contacting me first. Now they are making me jump through hoops to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.

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 2022-01-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation