vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm tryin to advance in my life to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I did not recieve my card that was ordered by unemployment. I made my claims online. I tried to resolve the issue with contacting edd but was directed to Bank of America as they are the bank that handles the funds. I contacted Bank of America about the location of my card and/or getting one resent. I was informed that my card had been activated/used by someone but it was definitely not me. I was also informed the card balance was spent. I was then directed to dispute the charges which I had no problem with because I did not make the charges. I was reassured I would get my money back. I acknowledge that I would assist and open to investigation if needed. I called to check the status of my claim as this whats money I was depending on only to be told my claim was denied. I asked for a explanation I did not recieve one. The representative I spoke to inform me that she would resubmit them for reconsideration. I was told that any complaints made in regards to this issue or police report would help. Due to my work schedule working XXXX I cant leave work to go to the police station to file such report. Im willing to comply with anything needed to get my money back that I did not spend. I need any help that can be done to aid in me getting my funds recovered.

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Executive Credit Management, Inc
State: TX

Complaint narrative:
please see the court documentation that has been provided to support this dispute claim against executive management, a debt collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services
State: FL

Complaint narrative:
XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : BROWARDADJUS Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I'm an XXXXXXXX XXXX at XXXX University in the city of XXXX XXXX and have deposited a check of {$1900.00} on XX/XX/2021 with Santander Bank. The bank has immediately blocked my account. Upon calling customer service, I was informed that they have temporarily locked my account till the the time that the check clears and asked me to wait for a maximum of 5 days. 

The check has no elements of fraud and has been sent to me from XXXX as my paycheck. After duly waiting for the stipulated time, I contacted the bank again but they refused to open my account. The bank has confirmed that the cheque has cleared and there is no problem with it. Despite this and no other reason from the bank, my account remains closed and I am unable to make a single transaction. 

I have called customer service 14 times, visited the local branch on XXXX XXXX, XXXX XXXX 3 times but account remained blocked for close to 15 days. Each time the bank manager or representative asked me wait for 2 more days and have not been transparent about why my account has been blocked. Even after waiting, no resolution has been taken. I have filed customer complaints with Santander and have raised 6 escalating mails with the concerned analyst in the fraud department but have received no help from them. 

The bank has pained me to extent that is unimaginable as I have had difficulty getting food during this period. I request immediate help and a severe punitive action against them.

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 2021-11-16 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: Nelnet, Inc.
State: WA

Complaint narrative:
I attended XXXX XXXX in 2011 pharmacy tech program. They miss represented themselves by explaining the hiring rate etc. I then began to speak to other students that graduated a head of me and they expressed their same situations. During the time my father helped signed me up one private loan and federal which private one was paid off. I then was reached out to for forgiveness. which I did pay for awhile.I dont believe I should be paying for a scam. I then began to do research and saw that XXXX XXXX was also fighting for discharge for misrepresentation.I am reaching out to see if their is any possibility to be able to discharge. Im in need of guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
I called Equifax for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

XXXX XXXX XX/XX/20, XX/XX/20 XXXX  XX/XX/20, XX/XX/20 XXXX XXXX XX/XX/20, XX/XX/20 XXXX XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
THE COMPANY, XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On jube 5, 1933, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of 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 explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My XXXX XXXX XXXX was financed through TD auto finance on XX/XX/XXXX and paid off sometimes in XXXX. Since the car was paid off TD auto finance has refused to release the title of my car. I have made several calls to this organization and was lied to by their staff that the car title is released. However, every time this organization makes such false claims DMV records show TD auto finance still holds a lean on my car, fraudulently. 
I have wasted hours to talk to representatives at TD auto finance and days at the California DMV to determine what the problem is. 
I feel like I have been targeted by this organization and discriminated against. 
I was unable to trade in my car yesterday, XX/XX/XXXX, due to TD 's purposeful discriminatory acts and I was humiliated at the dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute for unauthorized transactions on XX/XX/2021. The amount was XXXX that dispute was denied twice. And they have video of transactions being committed by some one else. I have tried to resolve the issue with the bank. But they denied me. ( Bank Of America ) i have sent them the police report and identity verification.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Around XX/XX/2021, Rocket Mortgage claimed to be able to provide loan pre-approval and pre-qualification letters to me based on the submission of financial information. They provided a " Prequalified Approval, '' which stated I qualified to borrow a certain amount from them that would not be contingent on the sale of the property I was then living in. Rocket Mortgage ( via their loan originator, XXXX XXXX ) claimed that my debt to income ratio qualified me for a loan with them despite my then mortgage, so I searched for a new home to purchase from XX/XX/2021, through XX/XX/2021. When I found a home to purchase in XXXX and submitted my offer to the seller, Rocket Mortgage then " conditionally approved '' my loan, with the condition that I sell my then-residence so that my debt to income ratio fell within their parameters, which condition was contrary to all the " Prequalified Approval '' documents Rocket had provided up to that point. RM uses deceptive practices to lure consumers and wastes their time by having them believe they can qualify for a loan with them and then when the loan application goes to their underwriting department, the loan suddenly can't be issued based on the promises made by their loan originators. This deceptive practice almost jeopardized my new home purchase and most certainly has caused other consumers to not be able to buy homes they had submitted offers on. They also charged me an exorbitant fee to do a credit check and an appraisal after I had cancelled my loan process with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have contacted XXXX 's on three occasions in an attempt to dispute a charge for {$220.00} for a fraudulent charge. Each time I was told that it was being disputed and found out today that it was not being disputed or researched.

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 2021-11-16 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: GA

Complaint narrative:
I called TransUnion for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

Inquires XXXX XX/XX/20, XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Ive had to speak with customer care every month since the card has been opened because the first time my payment was sent back because there was one number incorrect on the account number and ever since then my account has been placed on a block. I am unable to make payments online whatsoever and have to always calling my payments which is extremely upsetting and its XXXX me off because I am never late on any of my payments! Auto pay does not work and have had continuous trouble and Im tired of speaking to Customer Care because of these issues not only am I being charged late fees but your guises algorithm is reducing my credit line thinking that I am not responsible when I am!

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 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
On XXXX XXXX, I contacted Caci - consumer adjustment in reference to a medical collection. First, I was informed that I would have to pay a convince fee of {$39.00}. I then asked if there was a place that I could pay online to avoid the fee. The answer was no. After I paid the fee plus debt, my account was charged instantly. I was told that I would be receiving an email with my receipt 7 business days after the payment was made. I called back after those 7 business days, and I was told that I did not receive my receipt because my email address on file was incorrect. Then, I was told that I would have to wait another 7 business days. After those 7 days I called back because I still did not receive my emailed receipt. I was then told that they would be mailing it. I still have not received my receipt via email nor mail. The collection is currently still showing on my credit report. Lastly, another agency call me in reference to this same debt, and I told them I have paid it. They instructed me to send the proof, but other than the funds being deducted from my account I do not have any proof. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/21, I was unlawfully discriminated and denied my RIGHT to extend credit pursuant to 15 USC 1691 ( a ) ( 3 ) as I in good faith I exercised my right as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TN

Complaint narrative:
All of my loans ( private and federal ) are in deferment until XX/XX/2022. Sallie Mae continues to harass me through email, phone and direct mail about paying these loans. I am already in the process of having my federal loans forgiven because the school lied and defrauded me, overcharged and misled me as to what I could do with my degree.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX  credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Transunion and XXXX several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.

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 2021-11-16 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: AL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted XXXX and Equifax several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: PA

Complaint narrative:
I filed an dispute for a unauthorized account that has be reporting to my credit profile. Ive attempted to dispute this account on multiple occasions. I am a victim of identity theft as I explained to all three bureaus. I just received an update stating that the account has been verified.

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