vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: CA

Complaint narrative:
My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX  XXXX XXXX for this XXXX fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened XXXX  times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX  continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.

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 2022-10-03 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: FL

Complaint narrative:
I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
XX/XX/2022 : I requested for my full refund of {$3400.00} after reading about President Biden 's student loan forgiveness. I was given time line of 160 days which is ridiculous compared to other financial servicers timeline that is processed within 14 days. There was no confirmation emails regarding refund request. 

I have been checking my account to see if the balance has been reinstated, but it has not been. **There is NO way of saving the script that I spoke with chat agents as well. I've asked them for any scripts to be sent, they said they can not provide me with that information. 




Today XX/XX/2022 : I asked for my current status on Edfinancial Website, they were unable to give me any timeline, just mentioned it was " processing '' still. It is unrealistic how they can hold off people 's money and not releasing them in time like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: TX

Complaint narrative:
I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 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 2022-10-03 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: TX

Complaint narrative:
I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 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 2022-10-03 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:
I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 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 2022-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In accordance to the fair credit act this creditor violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy 15 US C 1681 section 604 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666 B a creditor may not treat a payment on a credit card account under a open and 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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I subscribe to a credit monitoring service with Experian Credit Bureau. ( 1 ) They notified me that my credit score was lowered from XXXX to XXXX due to a {$75.00} balance on my XXXX XXXX XXXX  credit card and my balance on XXXX declining. The {$75.00} balance which is not delinquent is an annual charge that XXXX XXXX XXXX assesses every year. This has been the case for many years now. I use this account for travel only. Every month I pay off the XXXX Credit Card balance, usually before they calculate the payment which I have done for years now. I don't even recall when my credit score was not in the XXXX range. ( XXXX ) In XXXX I paid off my auto loan with XXXX XXXX XXXX XXXX months before the maturity date. Never late. I was notified by Experian after paying off the loan that was reported paid as agreed that my credit score descreased XXXX points from XXXX to XXXX. I have always paid my debt in a timely manner including mortgage loans, credit card accounts and auto loans. I am in my seventies so I don't need to secure additional credit for a home, autos or additional credit card debt. I do not think this is right.

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 2022-10-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
Have no idea why or what this account is that is in my collections. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is about my safety deposit box held at Chase Bank in XXXX XXXX, IL. Several years ago I was given this safety deposit box for free, which I have been utilizing all these years. 

However, on XX/XX/2022 I received a paper letter from Chase Bank saying that they will withdraw {$50.00} from my Checking Account as an annual fee for the safety deposit service. On the letter a phone number was provided where I could call to understand why I was being charged the {$50.00} fee. 

When I called up this number the system took me through various automated messages giving options which were not relevant to my problem. It did not provide any explicit option to talk to a customer service representative. 

I tried pressing " 0 '' and that's how I got to the point where talking to a human appeared possible but I soon got the message saying " THEY ARE NOT ABLE TO TALK TO ME AT THIS TIME AND I SHOULD CALL LATER ''. They did not provide any other options such as leaving a message, waiting in the queue or leave a call back number. I kept trying for half an hour and finally gave up. My complaints are as follows : 1 ) Chase has not spent enough resources to serve their customers. They provide big XXXX bonuses to their top employees but when it comes to investing resources to serve their customers and communities they shy away from it. 

2 ) I understand that a particular customer service center may be busy at a given time. But Chase could at least create features within their customer service system that would allow customers to leave messages or navigate to the right option in an easy manner. 

3 ) One would expect a bank of Chase 's size and might to be proactive about addressing these considerations. Given that they haven't done so suggests very clearly that they are deliberately discouraging customers from contacting them. 

Thank you for your patience in reading through my complaint. I hope to get a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I received a phone call on XXXX from a guy who said he was XXXX XXXX a legal Courier of XXXX XXXX XXXX. He stated that they were going to come to our house and serve papers and our place of business or a relatives house. Case # XXXX. He would not tell me what it was for only that I owed over {$6000.00} from XXXX He had my social security number and my ex-husband social. He called from XXXX. He said to call XXXX or XXXX. 
They claimed to be a XXXX XXXX? They were very threatening. They also said something about Wells Fargo dealer services which showed up on my credit report that's how they might have got my 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 2022-10-03 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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Company refuses to delete a fraudulent account on my credit report. I have written several letters asking them to remove it. Account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
XXXX Credit reporting Incorrect information on your report SELENEFINANCE LP XX/XX/XXXX Closed Company responded This company is non responsive to my multiple inquiries regarding unexplainable fees, no explanation of the amount of fees, and what they are for. This company has also due to being contacted by XXXX XXXX on my behalf removed ALL of my credit history from my credit reports which resulted in my credit scores dropping approximately XXXX points. After my last complaint my loan amount was approximately XXXX in retaliation they reported false information to the credit bureaus stating that i owed XXXX. From XX/XX/XXXX - XX/XX/XXXX, I sent approximately XXXX emails inquiring about incorrect information being sent to credit bureaus, unexplained late fees and unexplained amounts of the late fees. In XXXX I was late ONCE due to the long extended government furlough, I contacted XXXX to inform them and ask them what I needed to do. They in return sent me documentation and information regarding foreclosure. After informing them they reported this late payment to the credit bureaus and charged me a late fee. I paid that late fee and have not been late since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of my rights under 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
A caller claiming to be from navient told me a missed payment was overdue. I know that my name has been removed from all navient loans. I also know the borrower keeps up on the loan payments. Therefore this was a scam call. I hung up. The offending phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: MD

Complaint narrative:
On XX/XX/2022, A representative from the company Capio Partners informed me about outstanding medical debt of XXXX dollars from last year. That debt has been paid off months ago, and i have receipts to back that up. I told the representative that much and insisted that i did not recognize the debt, but needed proof of his alleged debt. instead of taking a mailing address down, he claimed that his system was not designed to do that. he gave me the email address XXXX to submit my complaint. I humored him, but my email that conveyed the same info was bounced back to me. I do not believe this company does not send out written debt validation notice. Furthermore, i contacted XXXX XXXX and they have no business with that company. Capio Partners, at best, it is a second hand debt buyer running on bad information, with no means to scrutinize it. At worse, it is a scam, and needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the XXXX XXXX to XXXX. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX of Va XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans XXXX in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX v. XXXX case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.

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 2022-10-03 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: FL

Complaint narrative:
I reviewed my credit report and noticed someone was using my identity fraudulently. I contacted the credit bureaus and the credit companies, Ive explained that those accounts werent mine and i opened a dispute. The company conducted an investigation but nothing was done to fix the problem.

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