vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Ive satisfied my obligation in satisfying this account with XXXX XXXX XXXX , XXXX which is the company this account was sold to. I am requesting that you stop reporting this account on my XXXX credit report as it has greatly hurt my ability to obtain credit and caused severe financial and emotional distress. If you chose not to oblige to my request, I will pursue the enforcements of my constitutional rights via federal court proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: Receivables Management Partners, LLC
State: PA

Complaint narrative:
Agent reporting a medical debt because of a missed payment, yet never reported all the on time payments. Agent 's exact words to me wwre " We dont report ontime payments, only when you fall behind '' This is abuse and harrasement at its finest! 

I want this removed immediatley and I want action take against them. If they are going to report, then they need to report good and bad, and they have not! I want thsi removed immediatley!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened date : XXXX XXXX account type : collection original balance : 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: AR

Complaint narrative:
I will enclose a breakdown of all payments which I have made and have supplied copies to PNC Bank. I have called this company almost every week sense XX/XX/2021. All I get is another agent wanting to go over the complete reason for calling and after a hour or more I get nothing. I have sent of XXXX letters trying to get a response and even sent a letter to the CEO again with no response. I have all but hired an attorney but that will be the next action I will have to take. I requested how I could get my pink slip once the loan is paid and got no answer. The last conversation I had was yet another agent which basically called me a liar and hung up on me. I want everyone to know what PNC Bank is about and to stay far away. 
I will provide my last letter and an XXXX breakdown showing all payments and balance as of XXXX. 
I have provided XXXX attachments to provide proof that what I have paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My name is XXXX XXXX, and I bank at Golden One in XXXXXXXX XXXX, off XXXX. I've had problems with deposits to my accounts, being pulled out ; illegally, I spoke to XXXX different tellers, XXXX being a banking XXXX, and no assistance was given to me, my funds were taken, and never credited back to my account, this has been an ongoing issue, prior to this bank changing locations, here in XXXX XXXX, I am also displaced as a result if a specific form of harassments, from affiliates of my sons, who unfortunately, in their youth, joined a group of militia, and this has been an ongoing night, because of the harassments, along with illegally being displaced from my homes, forced into the streets, and sleeping outside. Over a decade, I have endured various forms of harassments, my banking should not be affected illegally, this is privacy issues, theft, discrimination, and embezzlement. XXXX check that I deposited back in XXXX of XXXX, was XXXX, and the bank pulled it, another occasion, where I emailed a gentleman working there, in XXXX, XXXX, someone pulled XXXX, then its various hits XXXX here, XXXX there, all of which had been appropriately reported, from an email address of XXXX, no assistance, and in fact, I have not been able to access that particular email account, for a variety of malicious reasons, and evidence. Please give me a call to further assist. I appreciate your rapid 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 2022-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account listed on my credit report as Cap One Auto for quite some time now. I began disputing it when I realized it was reporting on my credit inaccurately and inconsistently. I have never received any form of response back from them. All they've is update my credit report to say that the account was in dispute and is now resolved. I have received nothing substantial on how they came to own this debt. On XX/XX/XXXX, I asked for specific documents which i will include as proof. I asked them to respond to me with in XXXX days. I know my rights and this is a clear violation and I was determined to fight this. I sent out another letter on XX/XX/XXXX letting them that they failed to send me any requested documentation to satisfy the validation of this debt and requesting that they remove it from my report. They never responded to my request! I gave it some time to see if maybe they would update the credit bureaus to remove it but nothing again. XXXX XXXX I sent in a request again, simply stating that I want an itemized statement breaking down the balance I owe, which is well within my rights. I don't know how they continue to report this account and say that the dispute has been resolved when not once in over 8 months have they responded to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIED MORTGAGE GROUP
State: MD

Complaint narrative:
I contacted XXXX XXXX and got a list of their recommended mortgage lenders. I spoke to a few companies and chose Allied Mortgage, as they offered the best terms. I followed all of their steps, completed all requested paperwork, and all of that was finished on XX/XX/2022. I hadnt heard anything for r at least three weeks, so I emailed the agent I first dealt with, as well as the person in underwriting. I was told they were still working on it. I expressed concern with having it resolved before XX/XX/XXXX, when the prime rate was raised. I emailed and called several times, but was told on XX/XX/XXXX that they would not give me the loan without a co-signer. I am a XXXX XXXX XXXX woman with excellent credit, and they valued my home at {$510000.00}. I was trying to borrow {$300000.00}. I was asked to provide {$11000.00} in savings, but sent proof in excess of {$45000.00}. They kept delaying this denial until it was too late for me to submit to another lender before the rates increased. I receive a state pension, as well as Social Security, so perhaps this is ageism. Waiting six weeks for an eventual denial indicates fraud, in my opinion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, I signed for a XXXX XXXX for my brother, XXXX XXXX. There was a car accident then the car was totaled out ( ruled by the insurance company ) and completely paid in full and in GOOD STANDING due to the XXXX XXXX 

XXXX XXXX XXXX XXXX has been refusing to remove this from my account for months even though this situation has been resolved for years. I have proof that it is correct on my brothers credit, but they are refusing to update on my credit. I want it remedied immediately because it is causing issues with me getting future lines of credit for anything my family needs. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: PNC Bank N.A.
State: MI

Complaint narrative:
On about XXXX XXXX, I applied my credit for a personal loan through PNC bank. On XXXX XXXX I called PNC via telephone and spoke with a spokesperson whom told me that I was DENIED a personal loan for whatever reason. She also stated that I will be receiving a letter on why I was denied MY OWN CREDIT!! ! As a consumer and according to the USC LAWS, I am allowed to have multiple loans out without it being held against me. Mind you, I already applied for XXXX loans before and was APPROVED! Why all of a sudden, this time I get denied? According to the USC laws 12 1431, banks are borrowers and can never deny me of anything! Pnc has broken numerous of USC LAWS. I am also going to attach the laws that PNC has broken and I will be filing a complaint with the XXXX. A copy of this letter will also be given to the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: GA

Complaint narrative:
I disputed a incorrect listing on my credit electronically on the Experian web site, of which I am a paying member. 
The dispute was finished within 2 hours.

Nothing changed but Experian lowered my FICO score by XXXX points just for filing the dispute. 
This is vindictive and against all Fair Credit Reporting laws.

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 2022-03-17 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: NV

Complaint narrative:
I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX accnt num- XXXX opened date : XXXX XXXX account type : collection original balance : 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 non-monetary relief
Consumer complaint received 2022-03-17 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: NV

Complaint narrative:
I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened date : XXXX XXXX account type : collection original balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I have been trying to block transactions for my checking account at Wells Fargo. However, they were only able to get my debit card to block transactions. They said if I wanted to block transactions to the checking account specifically, then I had to go into the bank personally to do it which puts an undue burden on me and my familys finances because we are trying to ration my gas due to the rising prices. 

As a result, they charged me a {$35.00} overdraft fee and refuse to give it back to me due to arbitrary measures such as my relationship with the bank. All I ask is for a refund of my overdraft {$35.00} which I can use to pay for gas, and for Wells Fargo to block transactions so I wont have to pay overdraft fees in the future. Ive already had to recover nearly {$200.00} from them which some of it has been rejected based on their bogus relationship criterion. 

As youre well aware, Wells Fargo is known for their predatory practices on minorities who are on the lower income spectrum such as myself. And I cant afford to keep shoveling out money to a bank that is only concerned with their bottom line and not poor consumers such as myself. 

Sincerely, Anonymous

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 2022-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent a dispute in writing to capital on XX/XX/2022, and the denied my dispute. I am asking for them to reconsider my original claim. After I contacted the fraud department several times over the phone regarding this issue. 

On XX/XX/2022, I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) I was in my business trip and I need to get a car battery charged. I was told by the employee it was {$40000.00} XXXX XXXX roughly {$10.00} USD. After the service, they ran my card and when they gave me the receipt, I saw the {$350000.00} pesos that they charged me. I said to them that they over charged me. The cashier laughed and said that was the credit card price. I began to argue, as they had just told me prior to ringing the transaction the original price. The cashier then yelled to the back of the store, and several other employees came out and all walked up very too close to me and said thats the credit price. I was afraid to argue any further and I left. I contacted Capital One and advise the situation on XX/XX/2022, and a follow-up call on the XXXX. On XX/XX/2022, my dispute was rejected.

Company response to consumer: Closed with explanation