vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 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: FL

Complaint narrative:
1.XXXX XXXX XXXX XXXX-date open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX account resolution-account # XXXX, date open XXXX XXXX, amount XXXX 3.XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account XXXX, amount {$860.00} 7.XXXX XXXX XXXX date open XXXX , account XXXX XXXX 8.XXXX XXXX, date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX  XXXX ; Inquiry date XXXX XXXX  ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX INQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XX/XX/XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX ; Inquirydate XXXX XXXX ' XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date 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 2021-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
In the year XXXX, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX a car dealer in XXXX Maryland. Shortly after I purchased this car I realized that I was being taken advantage of and became a victim of a bad experience as a consumer. The contract that was created and structured for this car was extremely illegal. For starters, the XXXX rebate that I was promised was never put into the contract but into the dealer 's pocket. 2. The contract was structured as though I was paying for two cars and I only bought one car. 3. The high-interest rate that I was charged was never supposed to reach 29 % but only should have been no more than 10 %... Furthermore, after going before the board at the XXXX credit union to get the car refinanced they informed me that the interest rate was an enormous error and that they could not touch the contract. Mrs. XXXX a loan officer at XXXX XXXX XXXX XXXX also advised me that I should seek legal counsel because the contract was written up so that I would fail. Mrs. XXXX first approved for a refinancing of the car and on the day that I was supposed to get the check for the payoff of the car ; she captured the error of the rebate and the erroneous errors in the contract. My family has suffered embarrassment and have had to undergo tremendous disadvantages because this car was repossessed a day before I had to return to my job as a XXXX  after a summer break in XXXX ..... I desire to be compensated for my family 's pain and suffering...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, prepared to charge me monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adju 01 XXXX  XXXX  XXXX  XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
My Direct Express Mastercard, issued by Comerica Bank, in which my monthly Social Security XXXX Benefits are deposited was stolen in XXXX, XXXX in XXXX XXXX, California along with my ID and cell phone. Having no resources, I went to stay with a friend in XXXX XXXX where I was assaulted and had to have XXXX XXXX on XX/XX/XXXX. Five days after the XXXX, I was transferred to a XXXX XXXX XXXX XXXX XXXX  also in XXXX XXXX where I was until XX/XX/XXXX. I tried many times to call Direct Express to report my card stolen but could not get through for 3 weeks because they had a problem where the main menu to report a stolen card was not working and I would be transferred to an operator where I would wait up to 4 hours to speak to someone. I finally got through on XX/XX/XXXX and requested a new card and filed a fraud dispute for transactions totalling {$2100.00}. I faxed the documents they sent me back within 10 business days but they never issued me a provisional credit as stated in their letter to me. I also faxed them proof that I was in the XXXX and the XXXX XXXX XXXX in XXXX XXXX when the fraudulent charges were made, which were all made in XXXX XXXX and one was made in person at a XXXX in Texas! I ALSO POINTED OUT TO THEM THAT ALL THE FRAUDULENT TRANSACTIONS WERE MADE USING MY STOLEN CARD AS A CREDIT CARD AND NOT AS A DEBIT CARD ( as I have always used it ) BECAUSE THE THEY DID NOT HAVE MY PIN NUMBER SO THEY COULD NOT USE IT FOR ANY DEBIT CARD TRANSACTIONS. Again, I called every day for a status update but was always placed on hold for 3 to 4 hours. I finally got through to them today, day 40 of the investigation and was devastated to be told that they denied my claim due to " conflicting '' information and that their decision was final and that I would get a letter in the mail within 5 to 10 business days and that there was nothing I could do about it. No appeal. I provided them with overwhelming proof and evidence of these fraudulent charges yet the denied my claim. And I lost money because I could not get through to them to report my card stolen because of a malfunction in their telephone system. I am incredulous, devastated and in shock that Direct Express would do this to me. Especially with undeniable proof and evidence provided to them. I truly believe they deny all fraud claims because I have NEVER heard of anybody ever being credited back money on their Direct Express card that was stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank reporting late payment on my card i was never late Usa XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
Opportunity financial was paid the rest of the money owed still reporting derogatory the debt was paid with what balance was said and they tried to bill me for another {$300.00} which i paid after countell late reporting on my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I received a debt collection letter by convergent outsourcing on behalf of XXXX XXXX stating that I'm in debt of {$240.00} in which I knew nothing about or have a current service with this company. I'm getting threatening letters about submitting me to the credit collections potentially messing up my credit for something I know nothing about. I've contacted them but never get an answer and wanted more details about what's going on.

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 2021-09-25 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX, when I opened my statement period XX/XX/XXXX to XX/XX/XXXX I was upset to find 2 bills amounting {$1000.00} and another amount of {$1000.00} descriptions XXXX XXXX and XXXX XXXX with telephone no XXXX. Money taken from my credit card.Barclay/XXXX XXXX MasterCard . First thing I did is to call my bank and inquired such transactions. My bank said not to worry they will reversed the entry on my statement while they are investigating and at the same time called XXXX XXXX to inquired with such transactions. XXXX XXXX just said the money was taken in cash. That is all XXXX XXXX told me. I feel reluctant when Barclay/XXXX XXXX said not to worry. But then my statement from XX/XX/XXXX to XX/XX/XXXX I was rebill back by my credit company Barclay/XXXX XXXX MasterCard I insisted to them I did not make that transactions and I am not willing to pay. The Fraud Department Barclay/ XXXX credit department told me to go to police station and file an incident report and then submit the report to XXXX XXXX XXXX I did followed the bank advices. When I got the incident report from the police stations I called XXXX XXXX asked their fraud Department address but their respond to me is that from police station the police must call us directly to discuss the issue. UNFORTUNATELY the police officer said, we DONOT work that way. Just send the hard copy to XXXX XXXX. I called XXXX XXXX but will not accept hard copy report and the fraud Department have said the transaction was authorized by XXXX to pay the 2 {$1000.00} transactions. Today I mailed a hard copy of incident report to XXXX in a registered manner.XXXX  XXXX case no. 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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a XXXX old American Express card holder. on XX/XX/2021 I received an email and mail notifying that I was pre- approved for a Hilton Honor Amex Card at 0 % for 18 months.

I open the Credit card the promotion was given to me. I just received my second statament this month and they started charging interest. 

I called several times and the representative hang up on me one time. In the second time she told me that the never guarantee interest rate. Amex is misleading and targeting XXXX customers like me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: PA

Complaint narrative:
On XX/XX/2021 I sent XXXX, XXXX, TransUnion a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE

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 2021-09-25 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: PA

Complaint narrative:
On XX/XX/2021 I sent Equifax, XXXX, XXXX a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I sent 4 letters asking for validation of debt, on the dates XXXX XXXX XXXX No Response of Validation ... Also sent a letter of failure to validate on XX/XX/2021. Received a bill for XXXX. This Company refuse to validate the debt for 4 months now and continually reporting on my credit file.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reached out to Experian and requested that old addresses and addresses that I have never been associated with be removed from my credit report because I don't have access to these properties and I don't want to become a victim of identity theft because Personal information may go to these addresses. I provided them with my current address that I have resided at for 3 years. Gave them my Drivers License and a water bill to so proof. In the end they kept the addresses on there. There report number was XXXX date 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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR

Complaint narrative:
Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.

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 2021-09-26 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: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I was unemployed due to COVID XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXXDOVENMUEHLE for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX/DOVENMUEHLE to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late XXXX months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo opened checking account and debit card without authorization

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from XXXX and Experian saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about 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