vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I opened loans with Sallie Mae from XXXX. Once I graduated from my University, I called Sallie Mae to discuss payment options and matching my loans to my current salary. Sallie Mae proceeded to tell me, my loans were private and there was nothing that can be done to match my loan payments with my salary, which was news to me, as I thought my loans were federal not private. At the time my loans were more than my bi-weekly salary.I did my best to make my payments, and always attempted to make them on time no matter what situation I was placed in. Sallie Mae again, told me there was nothing we can do. Every year I called Sallie Mae to continue to work with their loan company so I can fulfill my payments on a timely manner. After I had called multiple times, the option Sallie Mae provided me was to do a deferment for 6 months until I could save up to make my payments. The following year, around XXXX, Sallie Mae suggested I go into forbearance and that I could do so for 1 year. Each time, I asked if there was a way to reduce my payments or refinance them so I can make my payments and I was told repeatedly no. With that, I listened and went into the year long forbearance, and was not told the impact these would have on my credit and my financial needs and how it would further my debt, as now I have {$110000.00} of private student debt with Sallie Mae and I am unable to qualify for any repayment options or refinancing. I even called this year, and they still tell me there is nothing I can do. I am a single individual who has been trying to do the right thing, and due to the guidance Sallie Mae has provided and not being upfront in-regards to the loans i applied for being private and directing me in the wrong direction, as well as not willing to work with me from the moment I graduated, they provided poor direction and guidance which has furthered me into more debt. From reading the guidelines of the XXXX XXXX XXXX, I fall under the descriptions that have been filed with this lawsuit and should be eligible for my private student loans to be waved. I would greatly appreciate you can consider me as one of the qualified individuals. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: NC

Complaint narrative:
For about 1 year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.

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 2022-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
First I would like a cease and desist all contact with me to be sent to the following companies : AMERICAN HONDA FINANCE # XXXX, I have viewed my credit report and files and found several inaccurate accounts from unknown sources that I am requesting proof of claim and verification immediately!! Without the proper paperwork how can these items be on my credit files not having ever Been Verified and corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a dispute with my bank Wells Fargo on XX/XX/XXXX for an amout of XXXX at XXXX under the number XXXX or XXXX ( I have both on my notes ), the claim was rejected because the card was present at the moment of the purchase, was face to face transaction. 
I called customer service to explain the situation, the shop doesnt have the stock there so they must sent the purchased goods by courier so I was requested to send the information in a letter and also the receipt showing that the goods must be sent to the address. 
I sent that information on XX/XX/XXXX by email. 
I called on XX/XX/XXXX to know the status of this claim and " XXXX '' from claims department told me that they cant reopen the case because the shop said that is a valid transaction but they couldnt proof that the merchandise was delivered, I requested those documents and they also denied that right. 
why I was requested to send the information if the bank will deny to reopen the case?

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 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My credit has a mix of mine and my parents personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
As part of our home buying process, we shopped for mortgage rates. Instead of showing as a single inquiry, the inquiries are showing as individual on my account with Experian. I contacted them via phone on XX/XX/2022, to try to correct the issue by disputing the individual inquiries and they informed me that they could not correct the issue.

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 2022-06-22 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: MN

Complaint narrative:
I have filed an ftc report because I found inaccurate accounts on my credit report and nobody has helped me.

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 2022-06-22 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: MN

Complaint narrative:
I have filed an ftc report because I found inaccurate accounts on my credit report and nobody has helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX , XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXXXXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.

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 2022-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a Care Credit account ( Synchrony bank ) opened to finance dental work. I sent small payments and explained my situation ( unemployed, no savings ) and told them I would pay what I could. They call, text or email several times per day. 

They sent a text saying we can help and when I call, they tell me I will incur service charges and late fees. They have done nothing to help and contact me every single day.

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 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK
State: TX

Complaint narrative:
I have been conditionally approved for a loan in the amount of {$210000.00} from Eastwestbankrefinancing .This conditional credit approval with terms is valid until XX/XX/2022 .This loan should have been close and handed over by this date.As of today, this has not happened. I have sent emails to urge them many times to communicate with them, but I have not been able to wait for a good result. 

I have good interest rates, and right now, the Fed keeps raising rates. And I haven't gotten any response when I can finish my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
A credit account from XXXX  XXXX XXXX has been added to my credit, it does not belong to me. 
There have also been several credit inquiries that I have not made. 
I believe the person whos account is lowering my score has the same name as me.

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 2022-06-22 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: TX

Complaint narrative:
Hello my name is XXXX XXXX and Im submitting this complaint without error or influence of any third party agency. Please see the attached documentation as it contains my request.

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 2022-06-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-22 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: MN

Complaint narrative:
I have filed an ftc report because I found inaccurate accounts on my credit report and nobody has helped me.

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 2022-06-22 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/2021 XXXX XXXX sent a refund to an old credit card, this card switched companies from XXXX XXXX to Comenity Bank. XXXX XXXX provided me with the XXXX Reference Number ( XXXX ). The refund was for an amount of {$750.00} and it was given to XXXX XXXX. 

When I contact XXXX XXXX they state that they do see the positive balance owed to me, but cant help me and tell me to contact the new card company ( Comenity ). When I contact Comenity they state that the money is at XXXX XXXX. 

I have called many many times. Sent emails and have contacted an attorney. My attorney could not get them to speak with her & I had to fill out an authorization for my attorney. 

I called again before pursuing this option and they offered no help. 

My family desperately needs this money back. I would like the full refund that was sent by XXXX XXXX to XXXX XXXX to be refunded to me and sent by check.

Company response to consumer: Closed with explanation