vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I received an alert from XXXX credit monitoring that an account with Goldman Sachs was opened using my social security number. 

Account was opened on XX/XX/22, I received the alert XX/XX/22 and emailed XXXX ( fraud email with company ) to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
LOAN TYPE XXXX XXXX XXXX XXXX XXXX Unsubsidized LOAN PERIOD XX/XX/XXXX - XX/XX/XXXX I am having some family issue the following coming school years XXXX on so I took a semester break for the year. dealing with my issues plus time passes by I was going to decide to continue some semester again, but unfortunately the school announcing itself is being close down due to some series learners and parents complaining about its teaching. I try to find some way to get a hold of my credit units that I have completed and earn when I was attending from XXXX year, but no luck. Will I ever be able to get a hold of that transcript?

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 2022-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XXXX occasions I have paid my past due balances in chunks to fit with current pay structures. Typically XXXXXXXX XXXX worth of loan payments sit past due as I continue to catch up, however I am very diligent in making sure they do not cross the XXXX XXXX delinquency mark as that is when it gets reported. Discover has never had a problem with me handling it this way, as it prevents me from surprise overdrafts and allows me to pay when I get paid. In the XXXX of XXXX, XXXX XXXX of payments were made, the later XXXX  on the XXXX I believe. On the recorded phone call which I made the payment over, you can clearly hear the operator state that the payment would process and my account would not be over the XXXX XXXX delinquency. I verified this verbally again with the operator and was assured that having made these payments my credit was not being affected. About XXXX XXXX after the payment was made they reported it Delinquent and hit my XXXX XXXX for over XXXX points. XXXX to be exact. It took me a XXXX or XXXX to notice and once I did I immediately reached out to rectify/clarify the situation. All past due payments were either made or scheduled. They have an open investigation into the situation currently ongoing, however I wanted to make sure I filed here as well because I have heard from others that Discover can be hard to work with. Any help restoring this would be greatly appreciated. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, Ive sent a dispute to recently experian agency about XXXX XXXX  account that was being reported inaccurate through CFPB. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must atleast respond in 30 days, and if they fail, the disputed item is required to be removed. This is fair violation of the investigation methods in which this past 30 day period.

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 2022-11-07 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: FL

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 XXXX 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 XXXXXXXX OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXXXXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-07 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Dear Sir/Madam, I receive many credit card offers and other junk mail from Citizens Bank at my home address, but I have no banking or other business relationship with Citizens Bank . All of this mail is addressed to the prior owner of my home from 10 years ago. I contacted Citizens Bank several times to get them to discontinue these credit card offers and other junk mail, but they have refused to do so. The volume of mail sent to my home is harassment at this point. The mail is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Can you please assist me with having my home address permanently removed from the Citizens Bank mailing list for credit card offers and junk mail? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to Equifax on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only did they not respond, but they did not update me on the investigation results or the status of my report being in dispute. I have sent them a damand to comply as it is federal law that they inform me of the results of the investigation, to document that the accounts are in dispute and to delete the items if nothing has been verified or validated in 30 days. It has now been over 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: MN

Complaint narrative:
The appraisal for my home used outdated information, comps, and did not take into account current market conditions. I made several requests for my broker, Lennar Mortgage, to ask the bank/appraiser to use one of the many more recent comps in my neighborhood ( its a new construction neighborhood with many homes closing in the past few months ). However, the broker refused to convey my request to the bank/appraiser. Additionally, the broker will not share the contact information of the bank with me so that I can make my own request. 

History of the events : XX/XX/XXXX : Broker provides me with a copy of the appraisal using old comps XX/XX/XXXX : I requested that the bank/appraiser be notified of my request for new comps to be considered in the appraisal XXXX XXXX : Broker indicated they will not request changes to the appraisal stating that the appraisal met Lennar 's compliance regulations XXXX XXXX : I requested copies of the regulations XXXX : XXXX - XXXX : Several back and forth emails with little progress being made. 
XXXX : I requested that the appraisal be altered or the broker credit us for the cost of the inaccurate appraisal. Gave broker until noon XXXX to provide response. 
XXXX XXXX : Broker replied without giving direction to the XXXX request. 
XXXX XXXX : I requested the broker deliver a letter I had written to the lender and provide me with his supervisors contact information by noon on XXXX. 
XXXX XXXX : After no response from broker I sent a follow up email requesting a time when we would receive a response.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a service contract from a marketing company, with a contract, then a soon as the contract was signed, the service was not rendered. I completely forgot about it, after a while a started a dispute and we keep fighting and the credit card company already told me that I'm out off luck at this point.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
I called Experian in regard to an identity theft case. I was hung up on by a rep named XXXX. I kindly requested for the hard inquiries on my account that have no written consent to be furnished on my account.

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 2022-11-07 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: CA

Complaint narrative:
XX/XX/2022. I contacted XXXXXXXX XXXX to assist me in fixing my credit. They were only able to pull up information from XXXX and XXXX. Equifax was showing that my account was frozen or there was an error. I called Equifax to see if I can solve the issue. Ended up having to call XXXX XXXX times. Each time they said I either haven't had anything to report for the past XXXX XXXX or I have no file opened with them. The call ended with them providing either a fax number or mailing address to send a copy of my social, driver 's license, and proof of residence. When I go onto their site to create an account I get an error code XXXX. I went online to see if I can find answers that way and all I found was frustrated people with the same problem, and the only way this issue was fixed was by submitting a complaint to CFPB, so that is what I'm doing. I know I have plenty to report on my credit, the other XXXX credit reports show up just fine, it's only with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX a collection letter for a debt that she is not aware of. This was first letter but it claims that it tried to contact XXXX previously. This is a scam.

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 2022-11-07 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: PA

Complaint narrative:
THIS IS MY 10TH DISPUTE IN THE LAST 11 MONTHS, MY NEXT STEP IS A LAWSUIT WHERE YOUR COMPANY WILL GIVE ME MONEY FOR THE VIOLATIONS XXXX AKA TRANSUNION has been possessing my information illegally without my consent. I have disputed these accounts for months and TRANSUNION has not followed and obeyed my consumer rights and federal law. I have put them on notice of these violations and they proceed to reply to each complaint saying the same thing as a generic message of " response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED XXXX XXXXUPDATED XXXX XXXXUPDATED Other miscellaneous actions take based on your request were : Opt out - UPDATED EXPIRATION Extended alert - UPDATED EXPIRATION THEY HAVE SAID THEY REACHED OUT TO THESE COMPANIES ASWELL AFTER I SPECIFICALLY SENT OUT A CEASE AND DESIST COMMUNICATION LETTERS TO THE CRA 'S AND EACH CREDITOR XXXX THIS INFORMATION HAS STILL BEEN REPORTING AND IS ALSO BREAKING THE FDCPA AND THE FCRA. as I have made them aware multiple times that theyre violating me and breaking laws, they have broken federal law 15USC 1681I ( 5 ) ,15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A AND COMMITED A FELONY CRIME OF 18 U.S. Code 1028A.

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 2022-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my car was repossessed by Santander Consumer USA. I was able to pay off the balance to reinstate my car loan. I continue to have problems making my monthly payments since. I have attempted to refinance my vehicle with Santander but was told that this is NOT an option ( they do not refinance sub prime loans ). 
Santander is one of the major players and profit from consumers like myself with subprime loans. 
The State of California ( Attorney General - XXXX XXXX filled a complaint in the best interest of THE PEOPLE OF THE STATE OF CALIFORNIA filled on XX/XX/XXXX ( THE PEOPLE OF THE STATE OF CALIFORNIA ( XXXX XXXX XXXX SANTANDER CONSUMER USA INCXXXX ( DEFENDANT ) CASE # XXXX. for violations of the unfair competition Law ( UCL )., Business & Professions Code section 17200 et sew. Santander had violated and CONTINUES to violate to the present day XX/XX/XXXX Californias consumer protection laws by placing borrowers with subprime credit into auto loans it knew and knows carried/carries an unacceptably high probability of default. The court awarded the settlement in favor of THE PEOPLE OF CALIFORNIASantander Consumer USA was fined. The court also ordered that SANTANDER CONSUMER USA change their business practice and stop its UNFAIR LENDING PRACTICES. 
My used car loan originated on XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. 
During the pandemic ( XXXX ) I had difficulties affording my rent, car loan and cost of living expenses. 
I have requested between XXXX day XX/XX/XXXX to work with my situation as I have had XXXX  twice and work injury. Due to the pandemic my work hours and salary were decreased not to mention my on the job injury. 

While speaking to SANTANDER CONSUMER USA customer service I have made payments on my car loan with added interest fees and having to agree to Santander contract that by accepting an extension of payment the life of my car loan will be prolonged and added interest rates will continue to add up. I am contemplating Bankruptcy  because paying a monthly used car loan of {$420.00} XXXX for XXXX XXXX XXXX is extremely high. 

Santander consumer USA is still making huge profits at the expense of consumer consumers like myself with sun prime loans. Even after paying the maximum I can afford I am told That this will Not guarantee Repossession of my car so what is the point? Their practices are harming consumers continuously. 

Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX is reporting a balance of {$260.00} on all 3 bureaus. I sent several letters to get more information on the debt and to get proper validation to no avail. I called the bureaus directly and XXXX to get proper documentation of proof of debt. Neither bureau or XXXX were able to provide me with proof or the debt validation. They just said it was a medical bill from 2019 from XXXX XXXX and that's the only information they can provide as they don't have anything else. 
I have tried to get a proper verification and haven't been able to. I have worked really hard to keep my credit clean and this is hanging in there. I have no problem paying for something is mine. I have no recollection of such debt/account and they can't give me anything either. XXXX advise me to file a complaint with you. In addition, the bureaus continue to change the day of last activity on a debt from 2019. They change the date of last activity to the current month resetting the clock every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I spoke with a representative from XXXX XXXXK on XX/XX/XXXX and was told that they sent a notice of removal for the inaccurate account on my CHEXSYSTEMS report. On XX/XX/XXXX I sent written dispute to CHEXSYSTEMS to have the inaccurate account removed from my report with supporting documentation from XXXX XXXX. On XX/XX/XXXX I received correspondence from CHEXSYSTEMS stating the inaccurate personal information has been removed but the inaccurate account from XXXX XXXX remains on my report. CHEXSYSTEMS has not conducted a fair, proper and timely investigation into my dispute as of XX/XX/XXXX. CHEXSYSTEMS has not complied with the request for removal of the inaccurate account from XXXX XXXX on XX/XX/XXXX which is longer than 30 days. CHEXSYSTEMS reporting inaccurate information on my report has caused me adverse mental and financial hardships and has prevented me from opening new accounts and obtaining new credit. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, and the state of New Jersey Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to either provide a copy of any alleged contract or other instrument bearing my signature or remove the inaccurate account will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act

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 2022-11-07 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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