vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX//2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: OR

Complaint narrative:
I went to XXXX College in XXXX, ID in XX/XX/XXXX. I had two small kids and was desperate to earn an income. I applied to two schools and their programs were full for the fall. I went to XXXX on a whim to ask about dental hygiene and remember how pushy they were to get me in. They told me that they might have " one more spot '' left for the fall. They made it sound extremely exclusive and that this doesn't happen often. I didn't learn really what dental hygiene was just that it paid well and that their program was quick, I could be in an out in less than two years. They gave me a bunch of paperwork to fill out and I really felt like this must be quite an opportunity. I started class four weeks later. There were three too many students which caused nonstop issues the entire program. When I went in for financial counseling the total was {$26000.00}. That was charged for the first two semesters of the program at once. XX/XX/XXXX - XX/XX/XXXX. Everything was done extremely quickly and classes started quickly. 
Quickly I found out how XXXX of a school and program it was. All the general ed classes were easier than 7th grade science classes. The hygiene classes were fine but within weeks I realized how not right for me this was. We were given, verbally, a very short time ( XXXX weeks ) frame for a refund even though both semesters were charged at once. I was already broke and a young mother of two so there didn't seem to be any possibility of going back. I believe they used predatory practices to lure me into joining the program, charging both semesters at once, and giving very little information about what the program actually entailed. I didn't even know that hygienists gave shots until the third semester. They did make us sit through a few lectures on how easily it would be to get all of our schooling paid off by the government by working for low income organizations, but really there wasn't any way out after sign up. Most of my loans were through Sallie Mae and have large variable rates, I've worked to pay them down but every day I still am upset by this ridiculous situation. The rest of my loans and grants were through the federal government making it difficult to have other continuing ed paid for with grants that I actually was interested in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To whom it may concern hi XXXX XXXX XXXX XXXX the consumer natural person am informing you that I am aware that Experian has continued to violate my consumer rights. I have listed several violations within the documents sent, even after I have informed them not to continue in these violations and to remove these fraudulent and inaccurate information. They still continue to proceed in furnishing it to my knowledge in law Ive been violated up under multiple rules 15 USC 1692 ( a ) ( 3 ) ( 4 ) and ( b ) 15 USC 1681 ( b ). I have been injured numerous of times from Experian These injuries include but are not limited to Being denied extension of credit my reputation has been Bruised Loss of employment XXXX and mental anguish

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 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have not received a stimulus. Payment at the moment

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 2022-01-29 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT SunTrust Closed my bank account. I work XXXX and every-time I get paid I get I deposit straight to my account any time I make a sale. I had spoke to the fraud department and I explained to them that I sell Bit coin and when I sell I get funds deposit to my account, they understood and they told me that I did not have to worry about anything after I explained to them this. But this was no so because they have blocked me from my accounts and I can not access my funds. This has prevented me from not being able to pay my bills or by my self food to eat this is not fair. And they will not tell me why. I have closed the previous case thinking that the company was going to give me back my money and it was all a lie and they kept the money that doesn't belong to them. 


I WAS VICTIM OF FRAUD AND THIS BANK KEEP HOLDING MY MONEY FOR 3 YEARS. 

I WANT MY MONEY. 
SUNTRUST ACCOUNT NUMBER 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 2022-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XXXX, I received an auto loan with Capital One. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including Capital One Auto. I made arrangements with Capital One and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed Capital One. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, Capital One Auto has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and Capital One was able to make money on the sale of the vehicle. Second, Capital One refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, Capital One has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the Capital One Auto account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that Capital One Auto be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the Capital One Auto account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-29 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: TX

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX XXXX XXXX XXXX vechile identification number XXXX from Ganas Auto address XXXX XXXX XXXX XXXX Ca XXXX I payed XXXX I was in desperate need of car due my previous car was at the shop due to vandalism and pcm module computer was not working/ I made a claim with XXXX XXXX and need to report them too On XX/XX/XXXX the check engine light pop on, the heater stop working and the themther light came on every time I drove it longer then 15 minute When purchasing this vechile I called the police after paying my second payment on XX/XX/XXXX of XXXX. XXXX dollars Now today is XX/XX/XXXX I payed two payment of XXXX dollars on XX/XX/XXXX and XX/XX/XXXX I called several times about this car and how I want to a different car and they got over. Every week I complain to them spoke to the corporate and more and it just seem like a scam and more Can you help cause now I have loaner car but the payment time isnt right They want to now pay for collateral XXXX insurance when I have insurance full coverage on another vechile thats at the shop due vandalism and more This company is taking my money Cybercrime due my phone be hook up to car or usb cord charger connected to my phone and phone been having problems since I hook it up. 
The guy who gave me the loaner car even said this aint right Every time I call the XXXX or XXXX administration they give me run away and money they also advise me I have warrant coverage up to 11 months or depending on mileage I contact the company the insurance advised me to go XXXX XXXX on XXXX they even advise me to go back dealer cause they cant fix it due how many problems and codes the car had P00B7 insufficient coolant flow p0106 map sensor performance P0171 fuel trim system lean p0326 knock sensor performance p0324 knock sensor module performance P0420 catalyst system low efficiency p0496 EVAP system flow during non Purge P1101 intake air flow system Found coolant reservoir extremely low added about two quarter of water, XXXX XXXX for further diagnostic due to multiple codes Store XXXX XXXX XXXX XXXX Ca XXXX I took the car back dealer and the maintenance guy supervisor help me with loaner but the XXXX and company is getting over and just keep working me out my money, having me on bus paying payment and more Making me take time off work to come up there and have me walking around town I need your help this is a corporation scam They couldnt gave me better car They are working me out of money due to me being XXXX woman along with they hack my phone when singing on Bluetooth along with they continue tell me I got warranty but theres no warranty they want me pay for collateral insurance I have full coverage with different company They continue to have come up there every other week and there the ones who commuting these crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. 

I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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 2022-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Purchased a XXXX XXXX XXXX in XXXX for XXXX (? ) XXXX $ down tax fees XXXX XXXX Orig agreement was with the dealership & somehow was transferred to Credit Acceptance & charged over 23 % interest w/a co-signer. Org. loan of XXXX $ XXXX $ or more @ XXXX $ mo.for XXXX. They repossessed the vehicle without any prior knowledge or attempts to reach me in XXXX of XXXXPandemic, in spite of multiple calls letting them know that we were experiencing financial issues. Previous payments had been made unlike they have falsely reported Since XXXX they have either not reported or incorrectly reported payments made on the loan to the XXXX credit bureaus. At one point there had been two account # s. connected to my account on their portal. After paying on this loan for XXXX & XXXX mos. they are reporting that $ XXXX is still owed & $ XXXX Is past due. Every mo they charge a late fee no matter when its paid, and even after payments of XXXX $ over XXXX $ that is required. I have tried to contact the dealership where it was purchased but they have never returned my calls. In desperate need of clarification on the limitations of interest charges, payments and the right to repossess a vehicle after incorrect /invalid information has been reported. The vehicle was sold with a major airbag recall that has since cost me over XXXX $ out of pocket expenses that I was given XXXX $ in reimbursement. Currently there is another recall for the same issue that is just as dangerous and the issue is not being resolved in a timely manner either. Stuck making outlandish payments for a vehicle that is XXXX old!!!

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: DC

Complaint narrative:
AceFlare  Account XXXX, Netspend closed my account at the beginning of XX/XX/2021. They closed it due to disputes from a company that I called numerous times to stop billing my account but they kept billing it. They closed my account without my foreknowledge when I went to use my card it was declined. I called them and they explained that my account was closed but would not elaborate. I assume it was for filing a dispute since there was absolutely no other reason for it. I was told they would mail me my available money in a few weeks. This is coming up on almost 2 months and I have not received my forms. This company is a deposit account and there is no way to call them if they close your account because you must put in a valid account number and if you do not have a valid current account you will not have the ability to speak to anyone. My checking account was XXXX and my savings was XXXX while that's not much it is still mine. They do not tell you they closed your account you will not find out until you try and use the card. I have had several bills unpaid because of this. ACE FLARE ACCOUNT by XXXX  I don't remember my account number and when they close the account all access to it ceases. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute I mailed in. I feel like that Equifax is purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.

Company response to consumer: Closed with explanation