vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: NJ

Complaint narrative:
Fact, 15 USC Code 1681 N, says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion.

Fact, Transunion is aware and has proof in attachment labeled as Exhibit A that Transunion is in violation of : 15 US Code 1681 N ( B ) 15 US Code 1681 N ( B ) Fact, Transunion is aware and has proof in attachment labeled Exhibit A that Transunion is in violation of 2 Federally Protected Consumer Rights willfully and knowingly, so they are civilly liable. 

Transunion has furnished information, an inquiry, on my consumer report that isn't in accordance with my consumer law.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear XXXX ; There is a surprise {$130.00} fees charged on my XXXX Bank of America card statement for a balance transfer. 
Any fee notice is absolutely hidden in tiny print on the multiple balance transfer solicitations BoA has sent. 
Working class people should not be surprised by bank fees. 
This bank should be required to waive this fee until BOA changes its solicitations with the headline : TRANSFER YOUR BALANCE FOR {$130.00}. 
Please do not allow this predatory bank to continue to rip folks off. This transfer was advertised as free.

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.

Complaint narrative:
Hello XXXX Bank XXXX XXXX and XXXX pay me a Check of XXXX XXXX under supervision of Inspector General of United States XXXX Police ( XXXX ) Office of Inspector General United States XXXX Police XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX DC XXXX HOTLINE : Toll Free ( XXXX ) XXXX Email : XXXX But this is outside its jurisdiction and recommended me here.so please contact Chief Coordinator XXXX XXXX XXXX # : XXXX ( XXXX ) XXXX, email : XXXX XXXX XXXX XXXXXXXX XXXXXXXX of XXXX XXXX XXXX Tel # : XXXX ( XXXX ) XXXX and XXXXCcustomerservice XXXX ; it has demanded me more XXXX  but I run out of money I paid off XXXX processing fee and they said check will be linked with my account XXXX to XXXX XXXX. As all charged no fee for deposit a check. So help to resolve this matter to tell them to pay me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is not allowing banks to pull my report, customer service says that there is no block and the account is open. But creditors still can not access the equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Someone tried to open a Target Red card in my name. They called to confirm it and I told them I did not apply for a card with them. They closed the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have ONE hard inquiry on my Equifax report and I do NOT recognize this. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I need it removed immediately. I might be a victim of identity theft or fraud. Please help resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
I called Discover Credit Services once I was notified of a hard pull on my credit. I didn't request this card and it was a case of fraud. I was told that the card was not issued on that date ( XXXX ), that the credit card was not approved, that the account was closed, and that they'd do an investigation. 

On XX/XX/22 I was notified by Discover Credit Services, that the card was shipped out and asking if I have any questions on my new account. This is after I did a security freeze with all of the credit score companies and this was indeed the SAME account that I was previously told was closed and that no card would be issued to. I told that team I want the card closed immediately and the account closed plus a statement saying as much. 

The blatant lies and the likelihood of the card going out in spite of my best earlier efforts and what the company told me is disheartening to say the least. I don't know if it is illegal, but I have to say that it should be and is definitely unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander offered me a loan through a car dealership, XXXX XXXX in early 2020 with extremely high interest rates and fees, with a high presser seller encouraging to take it with the promise of securing a lower interest rate in the future with refinance and the expectation of immediate processing without any verification of income. This resulted in extremely high payments which became impossible to afford. If the company had in-fact processed and confirmed income and debt to income ratios, I would have found another option that did not end in loss of the vehicle and the large down payment and payments made. I believe this case should have been included in the investigation and resulting lawsuit that was filed against Santander Consumer that resulted in a settlement with AG. 
I believe the company knowingly acted in deceptive consumer practices in my case as well as others, setting the consumer up to fail. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
XXXX, XX/XX/XXXX Good afternoon, I initially purchased an XXXX home theater system, a XXXX protection plan, and a XXXX spin XXXX on XX/XX/XXXX. The total for all three was {$320.00}. I paid {$30.00} as a down payment and an additional {$26.00} that was required. The remaining balance was {$270.00}. 

Below are the dates and dollar amounts that I paid XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} _________________________ TOTAL : {$630.00} The original amount was {$320.00}, and I have paid a TOTAL of {$630.00}. I reached out to XXXX on XX/XX/XXXX regarding proof of payment history. Almost an hour later I received an automated response stating they had received my concern regarding my account. They also stated that they would refer my issue to the correct department for handling. No response pertaining to the issue at hand. 

I reached out to XXXX regarding XXXX different concerns. In XXXX, the first issue I received feedback within XXXX days, and in XXXX, I received a response within a matter of minutes. 
My credit file shows the status CREDIT LINE CLOSED/NOT PAYING AS AGREED, shows the last payment as {$0.00}, start date XX/XX/XXXX, and closed date XX/XX/XXXX. 

My credit file should show the status as ACCOUNT CLOSED/PAID IN FULL AMOUNT, start date XX/XX/XXXX, & show the last payment as XX/XX/XXXX - {$150.00}. This is all documented with emails that were sent by XXXX confirming payment. 



Warm regards, 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 explanation
Consumer complaint received 2022-12-28 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I contacted Wells Fargo disputing the completeness and accuracy of a trade line that they are reporting to the consumer reporting agencies. I am requesting the amount of the alleged debt, and how it was calculated. I requested account ledger documentation to include : XXXX XXXX, file, account ledger, accounting and transactional history, and have not received it to date. They continue to report inaccurate and incomplete information to my consumer reports, causing me harm. Wells Fargo Bank has continued to violate my federally protected consumer and inalienable rights. XXXX causing subterfuge is unlawful to retain. The alleged debt was charged off by Wells Fargo Bank, which means they wrote off the debt as uncollectible and possibly received a tax benefit and insurance. They did not receive any loss or injury to their accounting system from this alleged debt, yet they continue to report this inaccurate information causing me harm and stopping me from being able to extend credit.

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 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I submitted my application for PSLF based on federal employment in XXXX 2022. I received a notice in the mail approximately XXXX 2022 stating that there was additional information required. Due to the length of time it took to receive the notification in the mail, it was outside of the window to provide an update, and required a new application, which I submitted via fax XX/XX/2022 and there was no response from MOHELA. A second application was submitted in XXXX 2022 via USPS mail service ; to date still no response. I checked their website and there has been no updates to my account since XX/XX/2022. I have no knowledge of the status of my application, or if it was even received. There is no response from MOHELA and attempted phone calls have been met with XXXX hours wait time and the inability to reach an actual human with whom I can speak. As the contracted provider for PSLF, the lack of communication and reporting of status if unacceptable. The deadline for submission has come and gone, and I have no idea if my application was even received in time based on the lack of updates from MOHELA. I need to know if my application was received and is being processed to have my loans transferred to MOHELA as the sole servicer for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I applied for the XXXX student loan pay pause refund on or around XX/XX/2022. At the time I was told I should receive check in around XXXX XXXX weeks time. 
I called again a few weeks later and was told that because of the amount of request, the time was pushed to XXXX weeks. I wasn't told if the refund was approved or not so I called back and told told that the refund was indeed approved. But the timeframe is still XXXX weeks. 
I called again a few weeks later because I received no updates. At this time I was told that my refund WOULD NOT be approved because of a case with XXXX XXXX XXXX XXXX I called XXXX XXXX and they told me that my case will not affect my refund. 
I called again and couldn't get anyone on the line to assist with a status. 
I called today ( XX/XX/2022 ) and told that my loan will NOT be received until XXXX weeks AFTER it is completed. 
I find this totally unacceptable. Everytime I call I get different information and everytime I call I get different reps providing different information or status updates. Now my refund is not scheduled until XXXX at the earliest. I planned bills and payments based on the timeframe in was given before. And now I feel I'm not getting accurate data from. Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I recently made efforts to pay off my credit card in good faith that American Express would process my payment respectfully. On XXXX XXXX in sent a little over $ XXXX to American Express using their app to pay off the balance. 
On XXXX XXXX, when my typical auto pay was scheduled, they charged me another $ XXXX. The representative didn't provide answers for how it occurred, but I heard her muttering something about the automatic schedule. My typical automatic payment was between {$100.00} and {$200.00}. I never changed my automatic payment amount, so there is not justifiable reason that they would have accidentally charged me that second $ XXXX. My bank charged me an overdraft fee of {$25.00}, and relocated money from my savings to send American Express. I was punished for the actions and errors of American Express. This practice is clearly intentional, as an incidental duplicate withdrawal would have been of the same value as the previous month. 

This reminded me, that previously, years ago, the same thing happened. I have been a member for 7 years. American Express is not being held accountable for it's own conduct, nor is it taking responsibility for their flawed system. If I removed $ XXXX from their accounts there would be an arrest warrant out with my name on it. This institution is taking advantage of its account holders. 

Though they will return my money to me in XXXX to XXXX business days, that comes too little too late. I have lost my faith in this institution and I will share my experience today with all the XXXX XXXX XXXX XXXX XXXX and all of our shared friends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank for my checking account ( closed ) # XXXX received on XX/XX/2022 {$27.00} and {$120.00} electronic refund deposit from a vendor XXXX XXXX XXXX XXXX  in XXXX, AZ ). 

My old address was : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX 2 years ago ). 
My current address is : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX, AZ XXXX CHASE NEVER REFUNDED MY MONEY {$27.00} plus {$120.00} on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I receive a call from debt collect for an Account for XXXX XXXX XXXX for dates XXXXXXXX XXXX for amount of XXXX. I do not claim this debt or have any recognition. The representative do believe XXXX a victim of fraud. There was XXXX numbers listed on the bill and I dont know who numbers they are. They Instructed me to go to this consumer address and make a complaint. They will send me a letter to fill out and return to XXXX to get this handle. They gave me reference # XXXX and return address as XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX I also told them they can contact XXXX XXXX XXXX XXXX XXXX  if they thought this was previously on my credit report and they can coordinate with them as well.

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 2022-12-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.

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 2022-12-28 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.

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 2022-12-28 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation