vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: CT

Complaint narrative:
XXXX XXXX XXXX reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX ) to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I tried fixing this issue since XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CT

Complaint narrative:
Ed Financial Services reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX XXXX to Ed Financial. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as ED Financial. 

There is student loan moratorium and ongoing litigation regarding student loan forgiveness. Student loans servicers should no longer be granted credit reporting access.. The Dept of Education should remove this granting authority. I do realize this has happened to other people when servicers change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I paid off my lease on XX/XX/XXXX with a cashiers check in the amount of {$13000.00}. As of today, I still have not received the title. The car is unregistered and undriveable at this time because I have no proof of ownership. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: LA

Complaint narrative:
LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be 100 % Accurate, 100 % Verifiable and 100 % complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: FL

Complaint narrative:
I filed XXXX XXXX in XXXX, FL XX/XX/2022. I only had a few creditors in it. DISCOVER CARD is showing as XXXX of those filed for petition of XXXX  XXXX and THIS IS INCORRECT. THEY WERE ALWAYS PAID AS AGREED AND THE LAST STATEMENT I RECEIVED SHOWED XXXX BALANCE. I have disputed thru all three bureaus and it never us corrected. I CALLED DISCOVER ON XXXX @ XXXX spoke to BK DEPT XXXX XXXX She said since they received notice from middle XXXX  that I had filed, this is how they report? I told her that they are in violation of fair credit act and deceiving misreporting me. She spoke to supervisor XXXX. They said it would be CORRECTED. I DEMANDED A LETTER TO CLARIFY THIS. They sent one letter stating the account has been closed but NOTHING about removal of XXXX  XXXX filing. I have reviewed my reports weekly and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-12-12 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Credit Card with Apple Card by Goldman Sachs Bank 1. Made {$700.00} payment on XX/XX/XXXX, which increased my available credit by {$700.00} 2. Called on XXXX to cancel {$700.00} payment as it was made from a closed checking account, available credit was decreased by {$700.00}. 
3. On XX/XX/XXXX, adjustment made to my account by another {$700.00}, and lower my aviable credit again by {$700.00}. 
4. Opened several disputes, and I was advised that {$700.00} adjustment was due to an actual money refund sent to my closed checking account ending XXXX and there is no error to my account and check with my bank for {$700.00} refund. 
5. Went to XXXX XXXX XXXXXXXX to see if there is a refund of {$700.00} in my closed checking account and bank advised that because account was closed, refund of {$700.00} was sent back on XXXX to Goldman Sachs with ACH trace number XXXX. 
6. Attached XXXX credit card statement under payment shows payment on XXXX for {$700.00} and then reveal on XXXX for {$700.00} but also under transaction on XX/XX/XXXX shows adjustment of {$700.00}. Meaning my account was lowered available balance by {$700.00} on XXXX and again on XX/XX/XXXX by {$700.00}. Goldman says because they refunded {$700.00} to my closed checking account which I provided to ACH trace XXXX that my Bank refunded back Goldman. 
7. See attached response from Goldman about my dispute. I agree that they refunded {$700.00} to my closed checking account but the money was sent back to them ( ACH Trace provided ), so my account available balance should not be adjusted twice but just once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
This complaint is against Chime Bank my current bank. Problems started up in XXXX of this year when Chime incorrectly withheld my funds that I had authorized to be paid from my own bank account with my own hard earned wages towards my credit card by XXXX XXXX bank. The first time this occurred was on XX/XX/XXXX causing XXXX to place a hold on my account and not have my available credit posted. Then again this occurred on XX/XX/XXXX when I authorized another cc payment to XXXX from my own bank account at Chime. Again Chime bank refused to honor that payment which in turn caused XXXX to permanently close out by cc account stating that my bank which is Chime is not honoring the payments and they did not want to have my business anymore. Not only has this caused a lot of stress for me as I have been making huge payments on my credit card from my own bank account but the credit has been unavailable to use due to Chime not releasing the payment to XXXX but also debiting my account for the same. After numerous complaints Chime bank finally acknowledged their error and attached is the letter I received from them last week. To date I have not received my cash rewards from XXXX that I earned since XXXX of XXXX with my own hard earned money. I have no idea why and I have filed a separate complaint against XXXX for the same. 
I have now opened a new cc account with XXXX XXXX and it seems like the same event is happening again. I made a {$1000.00} payment on XX/XX/XXXX and XXXX XXXX has still not made the funds available for me to use and its XX/XX/XXXX today. I need Chime Bank to be held accountable for their banking errors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear SPS, I am in receipt of your letter dated XXXX XXXX XXXX, In that letter, you assert that Select Portfolio Servicing ( SPS ) is the " servicer for the account. '' You may have answered part of my questions, but I need clarification on what you mean when you use the words " servicer '' and " account. '' In plain language, are you stating, asserting, or alleging that you are providing services in connection with an existing unpaid loan account maintained on the books and records of XXXX XXXX XXXX ( or some other company or institution ) wherein said loan account is due from me and payable to XXXX XXXX XXXXXXXX as the creditor? 
are you stating that you physically receive my payments, account for those receipts, and distribute the money to a creditor ( s )? 
Can you provide me with the contact information of anyone who owns the alleged or implied unpaid loan account? 
I ask these questions for what are obvious reasons. Without receiving direct acknowledgment of the existence and ownership of the unpaid loan account, I can not confirm or deny the truth of the matters you assert, to wit : that you have the authority to administer, collect or enforce any debt, note, or lien issued by me. 

The claims of securitization have resulted in a wide variety of conclusions in court -- - including but not limited to findings of fact and conclusions of law that the alleged trustee was not entrusted with ownership of any debt, note or mortgage issued by the homeowner. 

Further, some decisions have held that the " servicer '' could not produce evidence that it was, in fact, performing the servicing functions that were argued or implied in court. 

All of this can be resolved by the creditor 's corroboration of the facts and authority you want me to accept as true. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I made a payment of {$550.00} online on XX/XX/22 for my XXXX payment. I then made a payment on XX/XX/22 of {$550.00} online for my XXXX payment. When I received my XXXX statement it still showed a payment due for XX/XX/22. I called them and they said it was because I made the payment before the statement came out and they could fix it. When I checked today they changed the payment date from XX/XX/22 to XX/XX/22 so that I paid {$80.00} more in interest. I called them again and they are refusing to fix it. I can prove the dates the payments were made as they would have come out of my bank account the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit report file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from credit file. XXXX has now exceeded and surpass the designated time frame given under federal laws and FCRA guidelines. The account in question is as Follows XXXX XXXX

Company response to consumer: Closed with explanation