vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 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: CA

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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account number 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 seven 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 explanation
Consumer complaint received 2022-06-09 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: CA

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  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account number 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CO

Complaint narrative:
I have tried to correct my information on both credit reporting agency and they are not correcting this misinformation and they just do a haphazard investigation my opinion! 

First is that XXXX card popped up again when this was included in my XXXX bankruptcy and only in that bankruptcy! I never filed after that, they should be filed big time for their false reporting! XXXX never gave me another card after that bankruptcy! 

Second is a false report of a second bankruptcy in XXXX, where do these incompetent people get their information! This is upsetting me big time! 
I have tried to repair my credit with XXXX  XXXX and was stole XXXX points due to this XXXX of incompetent reporting and lies! Now my score is back down to poor after the hard work I have tried to build up! Why even try when this XXXX is happening?? 
These people are deceptive to say the least! 
Plus my reports said I was in good standing with XXXX  and on the same date they say Im in a negative state! Totally hypocritical information and false!

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX i was put in the hospital for broken pelvis. My son XXXX XXXX XXXX came to see me serveal times. Without me Knowledge he must hace gotten ahold of my debit card no mind u everytime i went to use it in the vending machine at the hospital the debit card was in my Wallet. I was discharged from the hospital XXXX XXXX. A week or so after mydaughter hay set up online banking for me at this time i noticed alot of money missing out of my a acount. Then i started noticed alot of transcations that i did not Make nor did i give anyone pemission to use my card. I had my card. There was 136 transcations made while i was in the hospital. I filed a dispute With Wells fargo for the 136 transcations. I made it clear to them i was in the hospital at the time of the transactions and i did not give anyone permission to use my card. And the only person Who had access to my card Would of been my son. I never gave him permission to use my card. I also made a Police report for thief against my son. Wells fargo denied my claim i dont Know why Letter was sent to my address in NC which i have no acceso to and they wont tell me on the Phone why nor Will they tell me at the branch location. This was fraud plan and simple i was laid up in the hospital the money was stolen and i want it back.

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i bank with chase bank to my surprise a charge came in for {$100.00} the problem is it comes after a week has passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to the company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX requesting my loan documents as well as a ledger or my statements. I have called as well as sent a request via email on their contact page. I was informed that they would reach out to a supervisor for final approval to have these items sent to me via mail on multiple occasions. I have still not received any of the requested items or a callback. One representative of their company advised I can review my statements by logging into their app and transferring to paper statements. I made the update and I see the statements on the app from XX/XX/XXXX but when I click, I am constantly receiving the error code on my past statements from XX/XX/XXXX to XX/XX/XXXX " Invalid Request- Retrieve Individual statements failed- Please give correct details ''. I can view the statements from XX/XX/XXXX to current, but it does not allow me to print the full statements. It will only print a blank page and I have tried it on numerous occasions. My monthly payment is {$460.00}. As each month goes by my balance is not adding correctly. I originally paid XXXX for my vehicle as of today I have paid over XXXX, and I still have a balance of XXXX on my loan. I am utterly confused and would like the ledger of all my payments, the original loan documents, and all my statements sent to me to investigate this further or clear my debit at this time. I do not understand how I have a vehicle loan for 60 months and my maturity date is an additional 23 months added to this loan. That gives me an XXXX term and I only had 4 of my payments added to the end of the loan and roughly 8 late payments. I am seeking answers and unfortunately, the company refuses to give them to me at this time.

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 2022-06-09 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: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
In early XXXX I received a letter in the mail telling me I had a delinquent account with XXXX XXXX that was transferred or bought out by Spring Oaks Capital and I had 20 days or so to write a letter to dispute it or it would become valid. I checked my credit score/report on XXXX and I saw I had a derogatory account that I had no knowledge of from XXXX. I saw that the account was opened on XXXX XXXX and it was charged off and then closed in XXXX of XXXX. I disputed that account on XXXX and they came back and said the creditor stated the facts were accurate and so it remained on my credit report. I wrote a dispute letter before the deadline and sent it out on XX/XX/2022. This letter informed Spring Oaks that I disputed the entire debt and requested they provide me with the contract/agreement I signed. I heard nothing from them and on XX/XX/2022, I called them directly and they opened a dispute. I was told that I would have a resolution within 30 days. I also opened another dispute on XXXX and received the same response as before that the creditor said the facts were accurate. I called Spring OakXXXX again about three weeks later and was told by Spring oaks that the dispute is still open and that although an investigation was ongoing there was no activity on that. They informed that I had to wait for the 30 day period to pass. On XX/XX/2022 I called Spring Oaks again and was told that the dispute was still open and that unfortunately I just had to wait until the investigation is completed and no time frame was given for that even though at this point it has been past 30 days. I advised them that I was now aware they only have 30 days to investigate and respond and I requested they respond to me in 24 hours and was told that likely wont happen. It will have been 60 days from my original phone call to Spring Oaks and has been XXXX days since my original letter was sent to Spring Oaks. My credit continues to be negatively impacted from this and is preventing me from having a better score. I want it removed from my credit report immediately as is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's is reporting on this account monthly charge off status with a late payment that was sold to multiple third parties, they are not reporting accurate information and is hurting the chances for us to get a mortgage. They are reporting the account charged off but the account was sold three times per conversion with Management and One of the third party collection agency ( see attachment ). they sold it to 3 third parties, and every time we try to arrange the payment they take it back From the third party. A Manager who we spoke to from Barclays hang up after I asked her If they sold the account why are they still reporting it as charged off instead of closed/ sold and transferred. I Had an agreement with one of the third parties ( XXXX XXXX XXXX XXXX ) ( SEE ATTACHMENT ) this account should be removed because every time we have a agreement or we call in to set a agreement Barclays takes the account back and the next third party they sell it to wants more money. I Have not received documents from Barclay about this account until I seen it was charged off on my credit. Per credit agencies this account Is NOT in dispute and credit report ( see attachment )

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 2022-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
Requested GM FINANCIAL to remove from my credit report as GM FINANCIAL have not provided a signed contract between me, XXXX XXXX and GM FINANCIAL that is binding. I sent a letter on XX/XX/2022, requesting this removal immediately, but have not received results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Requested ELAN FINANCIAL SERVICES cease and desist due to illegal acts on my credit report. Requested validation of binding contract through mail on XX/XX/2022, which has not been provided. ELAN FINANCIAL SERVICES sent a notice through mail on XX/XX/2022 that was disguised as CARDMEMBER SERVICES instead of ELAN FINANCIAL SERVICES. This is a violation of deceit and misleading 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 2022-06-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I received a call from a person named XXXX XXXX Phone Number XXXX, claiming to represent Navient, explaining that the Navient Student Loan that shows up on my Credit report, is solely in my name and he is calling to offer a settlement. He said the loan is for {$23000.00}, it has been on my credit report since XXXX, and has been delinquent since. He explained that he would like to help me remove it from my credit report, by speaking with the higher ups in Navient, and negotiate a settlement of {$5000.00} dollars. I explained to him that I did not go to school during that time, though I co-signed a loan for my daughter that the loan that I signed she is paying, and that the loan showing up on my credit must be fraudulent, or not to with me at all. My daughter 's loan I Cosigned is current, and because this loan on my credit does not show her name, I am under the impression it has nothing to do with me, and mistakenly on my Credit Report. I was a cosigner to her loan, so her name would appear on the loan on my credit report, but it does not. 
If in fact this XXXX XXXX is from Navient, I am being harassed, because there was no corresponds sent to me, just him asking for $ XXXX. Besides, if Navient was trying to settle a loan, it would be between them and my daughter not me. She was the primary on her loan. Also, in a document on their site Navient stated that if she made XXXX consecutive payments, she could remove her cosigner from the loan. My daughter made XXXX consecutive payments and they refused to remove me as cosigner from her loan. This loan on my credit is not my loan, and it should not be on my Credit Report. 
Perhaps it belongs to someone with the same exact name, because I did not apply for a loan from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MN

Complaint narrative:
I contacted the company about fraud on my account. They stated they would refund the money and adjust my statement accordingly while sending out a new card also. They sent out the card with the same numbers and never reversed the balance of the account ( back to {$0.00} ). I made several payments thinking they had done so but the balance never changed. When I contacted them a 3rd time they said they saw I reported the fraud and things were already adjusted on my account. I stated that I hadnt used my card since the reporting and yet I still had a the same balance with no new charges, the guy I talked to said Im not sure whats going on before the line went dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Today XX/XX/2022 I received a spam phone call recording from what was said to be XXXX XXXXXXXX ( my current electricity supplier ) I was told that if I didn't pay my past due amount that my electric would be shut off. With summer here and temperatures rising and my XXXX  children in my apartment I immediately agreed I would have to pay it today to avoid shut off. I was past due on my electric bill so it was very believable. The lady instructed me that I could not use a debit/credit card to pay that it would have to be an immediate pay today through XXXX  to insure I would not get shut off. She explained I had to pay XXXX for last month 's and this month 's past due balance including late fees I explained I could only pay the past due and late fees. She prompted me to send a XXXX  payment to XXXX XXXX bill pay at a specific number stating it was my meter number. After payment she came back on the line and stated that she was told I have to pay the full amount the past due balance wasn't sufficient enough. At that point I became irate and looked online at my bill and it stated I was past due but only for XXXX and was not in a threat to be shut off. I confronted the lady asking what my account number and address on file was and she had the wrong information, at that point I knew I had been scammed. I immediately contacted huntington bank to let them know what happened and am hoping the charges of XXXX get reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: LA

Complaint narrative:
Credit Reporting Agency-Equifax has been notified several times that credit limit for XXXX is incorrect. Should be {$3500.00} as reported by credit card company however, recent disputed results still lists {$3000.00} as the credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Two attempts to reach out to ONE MAIN FINANCIAL to remove from my credit report and cease and desist on XX/XX/2022 and XX/XX/2022, both times failed to resolve. Requested ONE MAIN FINANCIAL to provide a binding contract of two signatures per law and if unable to immediately remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked TransUnion to investigate these accounts on several occasions. TransUnion stated that they did a complete investigation on these accounts and that the accounts are reporting accurately. How is that possible when the accounts have multiple violations where the open date is inaccurate, the date of last activity is inaccurate, the date of last report is inaccurate. This is grounds for immediate removal because these accounts were said to be investigated but they were not. Also TransUnion has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

Please see accounts attached in documents

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I disputed a charge in my checking account for a service that was not as described. I was issued a provisional credit and the charge was later reversed without explanation. I provided all necessary documentation to prove my claim in addition the company was not authorized to charge me {$2500.00} twice and then another {$1000.00} after I requested cancelation and was told by the sales rep that I would be refunded the amounts paid. XXXX charged me {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, creditor XXXX Account # XXXX, creditor XXXX Account # XXXX, creditor XXXXXXXX XXXX Account # XXXX creditor XXXX XXXX XXXX Account # XXXX, creditor XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2020 XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX Equifax Inquires XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry 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

Company response to consumer: Closed with explanation