vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, Barclays, XXXX XXXX, XXXX, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
pLease see attached police report, I have been a victim of identity theft

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I had came to XXXX XXXX XXXX looking to finance a vehicle in XX/XX/2022. I was approved and financed through SANTANDER CONSUMER USA HOLDINGS INC. for {$34000.00}. I put down {$2500.00} for a down payment, and was able to drive away with the vehicle. 2 days later the vehicle was having mechanical issues which I informed the car lot XXXX XXXX XXXX. XXXX XXXX XXXXXXXX instructed me to bring the vehicle back which i did that same day I called ( XX/XX/2022 ) and they took the car back saying they will fix it but it has been a over year since then they have had possession of the vehicle. When I check my credit report I'm being penalized and charged for a vehicle I do not possess, the car lot XXXX XXXX XXXX has had possession of the vehicle the entire time and hasn't reached back out or contacted the finance company and informed them of the situation. So my credit is being affected by this situation which is completely absurd and is a violation to my rights according to the Fair Credit Act. I did contact Santander Finance Company and informed them of the situation multiple times which I've documented and made sure they documented as well. I've also filed a complaint with the Federal Trade Commission as well as the Illinois State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : 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 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial
State: WA

Complaint narrative:
Today ( XXXX  ) I applied for a loan with the company Spot loan online. I received a letter stating they did not approve my loan due to not having a bank account. When I do. In fact I have 2 bank accounts. I have attempted to contact spot loan over this but all I get back is a confirmation email from them stating they will contact me with in 24 hours. 24 hours will be to late. I need to have the money ASAP. This is silly because I keep getting denied at a bunch of different lenders due to them stating that I dont have a bank account when I do. Just because it ain't XXXX XXXX XXXX or XXXX XXXX or a name brand bank shouldn't matter. My bank does everything those banks do. Plus more! My banks are XXXX Bank and XXXX. These companies are doing a form of discrimination over what they feel is not a bank when people do have them. I still have a routing number and an account number, they keep a ledger of all transactions. All the exact same as a bank. This XXXX of they dont fit into our policies is bs. Now I have to jump through hoops because these companies want to play games on what classifies as a bank or not. This should not be a reason why I am denied a loan that otherwise I would've qualified for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am filing this complaint to the EXPERIAN. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have included my FTC report with the number XXXX as proof of this complaint.

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I took a loan with OneMain Financial Group for {$12000.00}. I did not know that the loan was attached to my car. I thought this was a personal loan only. Later, I found out that this was a secured loan and it was attached to my car. I am having a financial hardship and OneMain Financial Group forced me to pay the first payment of {$570.00}. it looks like this payment was for interest only. I just know that this payment was for interest only. They didn't tell me about this before. Then, they asked me to pay {$410.00} monthly for 72 months. I told them that I could not make this payment due to my financial hardship. They harassed me on the phone and forced me to make the payment. Later, they asked me to pay {$200.00} for interest only for this month and they will add another payment month at the end ( this means that I have to make 73 payments ). I told them that I could only pay {$110.00} for interest only per month for six months before I could resolve my financial hardship. So far, they have forced me to make {$200.00} for interest only for this month. They do not agree to accept {$110.00} per month for interest only. 

They have called me and emailed me every day and I have to discuss this with them every day. This is a nightmare for me now. I can not focus on my daily work and activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/XXXX, we were wire fraud ( for a purchase of a home in XXXX, ID ) that resulted in the loss of {$470000.00} in cash from our USAA Bank account. The wire fraud happened via " fake emails '' from the realtor and escrow title office. We were emailed with wire instructions from what looked like legit title companies emails and paperwork. The emails and Wire instructions had the correct address, company name, logo, everything. 

We were not notified of the wire fraud until XX/XX/XXXX, when the escrow XXXX noticed I had emailed and sent text messages regarding the wire of the money she didn't ask me to send. This was also alarming since I had been texting her the whole time but she didn't catch that someone was hacking her or pretending to be her via email and asking us to send our money before the sell of the home. 

We immediately contacted the police, our bank ( USAA ) and our realtor about the situation. The XXXX XXXX XXXX XXXX department in XXXX, ID compiled all of the information that they could and sent it to the FBI for further investigation. The sheriff who took our case said that he was able to find the money as it had been broken down into different amounts sent to XXXX, XXXX XXXX and cashiers checks. 

We worked with our bank 's investigation team to recall as much of the money as we could and try to get back anything that was taken from us. 

In XXXX of XXXX, USAA 's investigation office called us to let us know that XXXX ( the bank where the original wire was sent ) was able to get back {$280000.00} of our money and they would deposit the funds once they received the credit from XXXX. When this situation happened we were told that they had located {$440000.00} of the missing money but we still do not know where the other {$180000.00} is. 

On XX/XX/XXXX, the money was deposited into our account. At this time, USAA, XXXX Bank, the FBI and the XXXX XXXX XXXX department are still working on this investigation and trying to get back the remaining money that was ours. 

In XXXX of XXXX, we asked for information from USAA and their investigative team since they were the bank who was reaching out to the other banks involved in the situation. We were told by USAA via a letter that they would not give us any documentation without a subpeona and that they will not longer be assisting in the investigation to get our money back. At this time, we are still missing money that USAA and XXXX said was tracked down and waiting to be deposited back into our account. 

Any help or information would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I have requested AMERICAN ACCOUNTS to cease sharing my private medical information because I never provided authorization for it. Even if I unknowingly signed something, I made it clear that I revoked any such permission. However, they have not complied with my request. Additionally, I find the charges on these accounts to be inflated, and they have not provided the itemized codes for each charge in these accounts. I have disputed these accounts, but despite my efforts, they continue to report to the credit reporting agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a student loan borrower. I was still making student loan payments during the XXXX student loan payment pauses from XX/XX/XXXX to XX/XX/XXXX as my employer was not qualified for the Public Loan Forgiveness . 
However, because of the recent waiver change and the new law in California ( U.S. Department of Educations updated Public Service Loan Forgiveness ( PSLF ) program launched on XX/XX/XXXX, and will now allow eligible California physicians to participate in the program, despite our state prohibitions on physician employment by private non-profit hospitals, clinics, foundations and other health care entities ), my employer for the past 2 years is now qualified for PSLFs. 
I have contacted Mohela, my loan servicer, to request refund for the payment made during this time as I was not required to make payment during this COVID-19 pause. I was informed by Mohela that the deadline has passed to ask for refund. 
I have never received any contact or update from Mohela regarding this. 
Therefore, I requests to have these payment to be refunded to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are unauthorized inquiries on my credit report that I did not consent to.

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 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: ID

Complaint narrative:
My student loan provider recently changed to Nelnet. I created an account months ago when it first changed, and now I do not have access to my account and the password reset does not work. 
I have repeatedly contact Nelnet over the phone and via email for the last two weeks in an attempt to gain access to my account. The call wait time is always over 80 mins or more. Even after waiting for that long no one picks up. 
I have sent them screenshots and a description of the issue. I have not received any response. 
My payment will be late soon and it will negatively affect my credit. 
This is not fair to me. I never miss a payment and never had a problem with my previous provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Comenity Bank has refused to do this. The following is the fraudulent account : COMENITYBANK / XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Harris & Harris Ltd is a collection agency for the Commonwealth of Virginia. They forwarded a tax lien issued against XXXX XXXX XXXX a taxable corporation that is owned by its 100 % parent corporation, to XXXX XXXX. XXXX XXXX  illegally confiscated the assets of an XXXX-qualified retirement trust, which holds protected retirement assetsXXXX XXXX  failed to perform reasonable actions to assure it was seizing the assets of the party owing the tax. Instead, XXXX Bank confiscated assets that are protected under XXXX, a federal law that provides protection from creditors, especially from parties who owe nothing to the Commonwealth of Virginia. The beneficiaries of these assets have no tax obligations of any kind to the Commonwealth of Virginia. 

Demands made to Harris & Harris were answered with form letters on how to make payments on the remaining amount due. They ignored my assertion that the retirees do not owe any taxes or other debts to the Commonwealth of Virginia. They made no effort to resolve this problem. 

The seized assets are {$5300.00}. The tax lien was issued on XX/XX/2023 to XXXX XXXX XXXX. The XXXX retirement trust is clearly labeled as owned by XXXX XXXX XXXX. Employee Stock Ownership Plan and Trust. The undersigned, XXXX XXXX XXXX, XXXX, is the XXXX Trustee. XXXX XXXX  and Harris & Harris Ltd acted with a total disregard for the federal laws protecting XXXXretirement assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: SC

Complaint narrative:
I have a valid contract for a purchase of a XXXX XXXX XXXX XXXX. I was approved for the purchase of this vehicle and they never delivered it to my home. 

The problem is they have violated 158 USC 15 1605, 1638 ( 2 ) ( A ), and 15 USC 1662. 

They claim to follow all State and Federal laws but did not explain to me in detail my rights under the Truth In Lending clauses. Not for my XXXX XXXX XXXX nor the purchase of the XXXX XXXX now XXXX XXXX. 

These statues speaks on false advertising, the all fee 's are supposed to be included in the finance charge, etc.

Company response to consumer: Closed with explanation