vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: EdFinancial Services
State: WI

Complaint narrative:
I have been attempting to make payments since XXXX to pay my student loans. Each time that I make a payment, it is reversed the same day. When I called to ask what was going on, they couldn't tell me why payments were being reversed. They only suggested that I do over the phone payments ( still reversed those payments as well ) and try to resubmit payments. I also called my bank to make sure it wasn't an issue on their end, but they assured me that it was with the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
XXXX literally ignored my ftc report proving these items were fraudulent added onto my account they literally told me the next day it was verified when I literally have proven and provided proof of fraudulent activity and they still leave things on my credit report i should sue these bureas with are well within my rights this is not a investigation they totally disregard my ftc report and leave everything as verified when its clearly fraudulent please remove

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 2023-12-15 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I seen online where you could contact the credit card company and request financial help when it comes to making payments or request a settlement or them to drop the interest rate for a year to help their customers pay back the balance owed. They refuse to help me and I am a single mom that is struggling. They have already lost me as a customer because when I first got the card and it was strictly through Walmart I NEVER had this problem. I am paying over the minimum amount and getting charge half back in interest which will make the balance impossible to pay back. I have been paying on my balance since LAST XXXX and my balance has not changed hardly at all and I have not used my card at all because I've been trying to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 We were lied to by XXXX XXXX who knocked on our door and sold us solar panels, they stated this was an initiative by the state of Florida, because they wanted people to go green. 
They promised tax incentives & told us we would be saving so much money because the solar panels would cut our electric bill immensely. They Lied about the size of the loan, we did not know till afterward when we received an email from Dividend finance and I called Dividend finance in the very beginning with my concerns and told them we were misled, Lied to and pressured into signing up. 
Dividend told me everything was above board and would not let us cancel. Now here we are a year later with the panels still on our roof and still non-working since the day they were installed. 
We found out the work that was done on our home, was done illegally and without a permit or inspection from city. 
Even worse, Dividend released monies to XXXX XXXX for not only Incomplete work but illegal work done on our house. We did not agree to them releasing money on our behalf. 
They approved everything from XXXX XXXX, very quickly and without our knowledge so the loan could be activated. 
I also believe they targeted me a stay at home mother with no income to be named on the loan, rather than my husband who has a good income and good credit. So they could charge a higher tax rate. 
Now XXXX XXXX are out of business and Dividend are trying to keep customers locked into these huge loans. A loan that I was not even aware of when the guy was in our home trying to sell us the panels. He told us this was being done through Florida, because the state of Florida wants people to go green. Lies. 
Now Dividend is calling me trying to get me to agree to a third party solar company with great reviews to fix XXXX XXXX mess. When I asked XXXX from Dividend the name of this third party company, with great reviews she could not tell me. 
Then she backtracked saying well actually we have not found one yet, but I would need to agree first. I do not have a contract with this third party company, it was with XXXX XXXX, who are now out of business. 
Our panels have never been fixed or connected. Our local electric company did not even know these panels were on our roof, yet Dividend approved the work and released money to XXXX Stating it was complete. Without permits, photos or documents shown to us the Consumer. Because there is none. Again it was done illegally. 
The only thing I want at this stage is those NON WORKING panels off my roof and to never do business with Dividend ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I need to urgently address a critical matter concerning my consumer report with EXPERIAN. Regrettably, there are accounts listed on my report that stem from identity theft. None of these accounts are connected to any transactions I authorized, and I have not gained any benefit from these reported activities. 

My attempts to rectify this issue have been diligently undertaken. I've submitted written correspondence to Experian, accompanied by irrefutable proof of my identity, an official identity theft report, a detailed identification of the erroneous information, and the requisite legal statement. According to the law, Experian is mandated to promptly block and completely remove these misleading accounts within a maximum of four business days from the receipt of my notice. 

The urgency here can not be overstated. I seek the immediate rectification of this matter to prevent any further complications or implications arising from this inaccurate reporting. 

Your swift attention and resolution to this situation are greatly appreciated.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
XXXX XXXX # XXXX SSN, inmate, XXXX offender in prison at XXXX XXXX XXXX in XXXX, use social media steal people, photos, steal money from me and his fiance XXXX XXXX in XXXX NC, threat me want more money, try attempt murder me If I dont send money them as blackmail. Police Department dont believe me tied to XXXX XXXX XXXX He is XXXX Crimes, State Prison Officers have him cellphone or tablet in prison. They are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has not provided me a copy of my credit report since XXXX. To date, I have made multiple requests via US Postal mail and telephone which are being ignored and denied. Every year I go online for my free annual credit report and every year Transunion is the only agency that will not provide the report. In XXXX I complained to Transunion about having website trouble. I spent hours on the phone and the issued was resolved. I explained to the representative that every time someone helps me log in, the username and password never works for the next log in. From that last phone call in XXXX until today, the agency is refusing to provide me with access to my credit report. In XXXX of XXXX I mailed the agency proof of address and a copy of my Georgia driver 's license. I never received a response. I have had to rely only on my XXXX and XXXX reports. Every time I attempt to login into Transunion website, I get an error message that my information does not match. In XXXX of XXXX, a mortgage lender advised me that all 3 credit bureaus are reporting mismatch information for the same accounts. On XX/XX/XXXX, I reached out to Transunion to make another attempt to gain access to my credit report. I was on hold for 10 minutes, the phone disconnected, and I received a link stating that my call needed to be completed via text message. I have provided a copy of that text with this complaint. On XX/XX/XXXX, I attempted again to gain access to my reports through a third-party company. The company advised me that Transunion is stating my social security number does not match. I reached out to Transunion and expressed my years of frustration. The representative told me that because my account had not been used, the account cancelled. She explained that I would need to recreate an account. I explained to her that I hear this same info every time the account is not working, and it is always inaccurate. I requested that she remain on the phone while I attempted to recreate the account, she refused. After the call disconnected, I tried creating new account and could not due to error message that info does not match. I called Transunion back and rep instructed me to email my driver 's license and a utility bill to the fulfillment department. I followed the instructions and received and email back stating they could not verify me. I have had the same Georgia driver 's license for the past 10 years and suddenly this agency can not verify me. This is a clear FCR violation. They are flat out refusing to provide me with my credit information and reporting.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
a check was deposited and put on a 10-day hold. The hold was lifted and Chase refuses to take the hooks off me account now until they verify which they will be unable to do I work freelance. I gave the number I had and they can not verify and want to yard number they have which they can not get through

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15 00:00:00
Product: Credit reporting 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I have a flawless payment history, yet they are incorrectly reported as late.

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 2023-12-15 00:00:00
Product: Credit reporting 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a checking account with Huntington Bank. On XX/XX/XXXX, Huntington assessed two ATM bank fees that I do not recognize and did not authorize including : 1 ) {$7.00} fee to check balance at ATM ; and 2 ) {$31.00} non-Huntington Bank ATM fee. I did not and would not ever have agreed to or authorize ATM fees this big, and I do not recall being asked to approve these fees. Also, on XX/XX/XXXX, I had a lengthy conference call with a Huntington Bank supervisor where I filed disputes for unauthorized, fraudulent transactions. The supervisor agreed to reverse multiple banking fees assessed in the past month. However, the two fees identified above had not posted yet and therefore were not reversed. So, on Friday, XX/XX/XXXX, I called Huntington again to have these two, newly posted unauthorized fees reversed because they fall within the time period of fees the supervisor agreed to reverse during the XX/XX/XXXX phone call. But, a supervisor named XXXX and his immediate superior XXXX refused to honor the prior supervisor 's promises despite how they reviewed the XX/XX/XXXX internal supervisor notes that confirmed same. Significantly, the disputes I filed on XX/XX/XXXX remain pending. As such, Huntington 's refusal to reverse these unauthorized {$7.00} and {$31.00} ATM fees that I did not know about constitutes a direct violation of Huntington 's own internal written customer protection and disputes policies, as well as the explicit promises made by the prior supervisor on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I recently received a letter from a company that appears to be fraudulent/ illegitimate. The letter was stating it was collecting for the auto insurance company I cancelled months ago after they refused to take payment for the policy that was set up for autopay out of my checking account. That part I am reaching out to a private attorney about for legal assistance. I XXXX the company when I received the letter 2 days ago and people were warning to contact their state attorney general office which I did here in Minnesota and they have record of my report to them and advised I reach out to the Federal trade commission which routed me to you and also that I should reach out the US postal inspection service as well. Which I will be. If there is anything further you need from me please let me know. Thank you.

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I wasnt told until later they were placing a hold my deposit. They have done this with every deposit I have made. Holding it for 9 days, even when it clears much sooner. Not releasing any of funds to me. They can verify it is good check. Even told me if I were not already a customer they wouldve cashed it right away for a several hundred dollar fee. I requested to just give me it back and they would not. Going to hold it for the 9 days no matter when it clears

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