vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
I am XXXX  that you have included information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws insure that bureaus report 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. the following information therefor needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2021-09-01 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I paid off the car to the original company that is called Gateway One Lending. I paid if off in XX/XX/2017. We sent a check for {$7800.00} XXXX, XXXX 2017. That check was sent by another financer who had financed the car. After, we got a letter from Gateway on XX/XX/2017 that says that the car is paid in Full and the title was sent and the loan was closed. After 2017 Santander Consumer USA sent me a charge for the car and I sent the proof that I did not owe and Santander still did not want to take the account off my credit report, saying that I was missing payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash as a down payment. The finance charge is also suppose to include insurance for the vehicle, Navy federal forced me to purchase insurance on my own separately, again another violation of usc 15 code 1605. Navy Federal also failed to disclose a Right Of Rescission form with my loan paperwork or promissory note, this is also a direct violation of 15 usc code 1635. Navy Federal Credit Union are now liable civilly, pursuant to usc 15 code ( 1611, 1640 ) and criminally, pursuant to 15 usc code 1693.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I received their letter dated XX/XX/2021. Theyve made an error. I do not want their business! I refuse their claim, deny their claim, and submit for fraud any business claims they alleged because we have no business relationship. 

Per the Fair Debt Collection Practices Act, I request them to cease and desist all collection activity including contacting me via phone, any negative reporting to the credit bureaus, filing fraudulent judgments, and are therefore barred from selling assigning or transferring any and all data regarding this account to any other party, subsidiary, or affiliate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XXXX 2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and TransUnion.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, Experian, XXXX, and 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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
On XXXX XXXX Debt Recovery Solution Attached wrongfully debt on my credit report stating that I owe this bills ( XXXX ) from XX/XX/XXXX from a hospital XXXX ( XXXX XXXX XXXX XXXX. I paid this bill back in XXXX in which I have attached the document to this complaint. Now I contact DRS Recovery Solution multiple times ( XXXX ) I even ashed for there email and faxed number and I keep getting the runaround like wrong email and faxed number no help. So this is why am filing a complaint on this company. This bill was paid and I have proof. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I purchased a vehicle with Toyota finance..I currently paying {$630.00} for a XXXX XXXX  ... Toyota utilizes sells XXXX that will make you purchased a vehicle regardless that challenges that the consumer might face in the near future ... I need your help ... my fico score is currently XXXX. ... I always purchased the my vehicles from the same place ... .I feel like I have been played by the vehicle outside down transaction terminology ... .where people ends pay double for a vehicle..after the dealer satisfied the trade in vehicle ... .absolutely unfair for a buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm writing this complaint to help XXXX  and Transunion understand that I'm in the middle of lawsuit with XXXX XXXX over Identity Theft and I would be more then happy to AMEND them to this lawsuit that i have submitted. Under the FCRA XXXX  and Transunion are both violating my consumer right pursuant to 15 USC 1681a ( 2 ) ( B ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As you can see you can not include any extension of credit to my consumer report which you have.

Also do not try to investigate to get information from anyone for the purpose of my consumer report info unless you have obtained information through personal interviews with neighbors, friends, or associates as it states pursuant to 15 USC 1681a ( 3 ) ( e ) INVESTIGATIVE CONSUMER REPORT.

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 2021-09-01 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: CA

Complaint narrative:
I requested my consumer report on XX/XX/2021 from XXXX  XXXX XXXX XXXX and Experian. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with XXXX  XXXX XXXX XXXX and Experian ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.

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 2021-09-01 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: NY

Complaint narrative:
I requested my consumer report on XX/XX/2021 from Experian, XXXX and XXXX  XXXX XXXX XXXX. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with Experian, XXXX and XXXX  XXXX XXXX XXXX ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.

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 2021-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021, I purchased living room furniture from XXXX XXXX XXXX, I received two emails one dated XX/XX/2021 one stating thank you for your purchase the second email dated XX/XX/2021 stating we have processed your order, I was never contacted with a tracking number or estimated delivery date as website stated, by XX/XX/2021 after several emails, and phone calls, finally someone answered a resident whom claimed that the number I called belong to her residence she don't know why or how this company got her phone number, people keep calling her number, that's when I realized this was fraud, so I contacted Bank of America , on XX/XX/2021, spoke with XXXX who file initial claim over phone, ( claim number given XXXX ), Bank of America has fraud protection on my account so when my money wasn't credited back I call Bank of America again on XXXX XXXX, 2021 spoke with XXXX was told they contacted merchant and money will be credited back on XX/XX/2021 at XXXX. on XX/XX/2021 money was not credited back to my account called Bank of America again spoke with XXXX who said the same thing still nothing called back again and got XXXX, who tells me oh its going to take 45 days we are waiting to get the money back from the Merchant than we will issue you your money back, I begin to ask how is that if I am telling you the company does not exist, So I make appointment at the branch I opened my account at hoping to get somewhere, Mrs./Ms. XXXX XXXX assisted me on XX/XX/2021 called the fraud department spoke with XXXX from Arkansas, who assured me my money would be credited back to my account XX/XX/XXXX, or XXXX they had file the wrong claim thus the reason for the two different claim numbers : XXXX, Mrs./Ms. XXXX assured me that this will handled due to she was putting it in as escalated, Well I sit here today still without my {$1800.00}, and was told today by XXXX from XXXX she saw they expedited it but they have to get the money back from the Merchant 's bank and it shouldn't take 45 days, but if it did it will be issued by XX/XX/2021 this is well over 45 days, my initial file date was XX/XX/2021 therefore 45 days would be XX/XX/2021 and I am only counting business days. this is not fair any other time there's fraud or I purchase something and never received the merchandise I always receive a temporary credit until the claim is resolved. Bank of America advertise that your not responsible for fraud to your account they will cover it, well why is it not applying to 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 monetary relief
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Paypal Credit Card Mastercard, It's been over a month trying to get a replacement card. I called them 3 times and spent over an hour each time trying to get my card sent to my home, still no card. 

They have the absolute worst customer experience, I literally had a rep tell me to try and go to the XXXX XXXX XXXX to try and get my card that was being sent back to Paypal since they put an incorrect address, I legit had to try that option but I couldn't. They made the mistake of putting the wrong address, then I opted for the card to be mailed and still no card. 

Still no card, I ask them for a resolution -none offered. They don't care and I regret even having an account with them. 

There customer service is atrocious, they keep you on hold forever and send you to several departments.

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 2021-09-01 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: NY

Complaint narrative:
I requested my consumer report on XX/XX/2021 from XXXX, XXXX and Equifax Information Services LLC. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with XXXX, XXXX and Equifax Information Services LLC ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Im am a victim of being focused to pay a student loan when I never started the first day of class. To my understanding the school is now closed and Ive tried my best to get rid of this debt. The school that I went to was closed due to fraudulent loan payments to them and Im a victim of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The revision Amex Gold card had cancelled the enrollment button of {$100.00} annual airlines credits and can only be enrolled by custom service, which is obviously a scam to harm the customs who do not pay attention. Amex XXXX Card still offer the enrollment button so it's not a technical issue but a trap in my opinion. I reached out the Amex chat team agent about my concern but the agent refused to admit this problem and offer limited help in applying the credits to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
in XX/XX/XXXX I was a victim of identity theft through Wells Fargo XXXX. I feel like I should be compensated Reason being I lost my military career over this scam and I haven't been able to recover since then. If you look into my files I was humiliated ignored and mislead about this current case and I need somebody with the ability to get my funds right. I've been waiting over 9 months I should be compensated more for pain & suffering alone. On top of the years of my name being bashed through the credit system, my credit score is currently XXXX and I'm having a problem with getting that house for my wife and my XXXX children and also a vehicle to get around with my XXXX children due to my credit then so low. I have never even apply for a credit card before I was activity military I always pay my bills on time! I had an XXXX XXXX military checking account which came with identity theft insurance in which states on your website that I should be compensated up to {$10000.00}. I have attached that file for anybody who does not agree with my insurance policy! This case has been an investigation since XXXX of XXXX and I've been proven not liable for the Fraud done to my account, I've proven that this incident did have an affect on me being XXXX from the military ( general ) I might add. But yet Wells Fargo 's refuses to compensate me. I lost my military career in the world 's greatest XXXX XXXX I deserve my credit to be restored and compensation for it all.

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 2021-09-01 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: NC

Complaint narrative:
I XXXX of 2021 I submitted a certified letter to Transunion, XXXX, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.

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