vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: NV

Complaint narrative:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX is demanding {$200.00} for my policy balance after canceling them. They used the date of XX/XX/23 as the date of cancelation and the date from which they calculated my policy balance. 
However, I notified them of my cancelation prior to that and have proof that my new policy began on XX/XX/23. I have sent them proof of this twice and have yet to receive an adjusted balance amount. I have continually asked XXXX to recalculate my balance based on the actual date of cancellation, XX/XX/23. 
I am more than happy to pay the proper balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. 

Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. 

Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? 
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. 
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. 

I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple other XXXX accounts 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
They at XXXX XXXX never came to make a move I needed and when I asked to refund what I paid them they refused to do it. So I tried to get my back to return and they would not saying I would have to go through the civil court in the state they are based out of. I then decided to file a report with Federal Trade Commission and upon sending them the complaint against XXXX XXXX and the other company also based in Florida, XXXX XXXX XXXX XXXX as they seemed to both have collaborated against me to keep my property in Illinois where I tried to relocate from while making me all the more financially stressed, FTC recommended I stop payment or get funds put back into my account through my institution and if they will not help then I should file a complaint against my bank. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX recently obtained false account information from Affirm, which was removed from my report as it was invalid. Upon further looking into my Consumer Report I see Affirm has yet again placed incorrect information on my consumer report. I ask that these false accounts be removed as this is not only defaming, but also putting me at financial risk. Affirm has never sent any documents showing validation or a signed contract by me which was why they got removed from my report. However Illegal access to my personal information is happening without accurate information being supplied. They have violated my personal rights. Clearly my personal information is not being protected. I kindly ask that all inaccurate information be removed as you are causing significant emotional trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: EQUIFAX, 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. 

The letters are stated with items and issues. 

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 2023-06-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX accounts XXXX XXXX, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so XXXX no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.

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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX Issued check # XXXX from Wells Fargo Bank , N.A . to " XXXX XXXX XXXX '' in amount of {$38.00}. Mailed in USPS Box located at XXXX XXXX XXXX XXXX, TX XXXX. 
XX/XX/XXXX check # XXXX was processed. Funds withdrawn from our account, changed to {$4000.00} and payee changed to " XXXX XXXX '' XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked if check # XXXX was valid. 
XX/XX/XXXX We returned call & stated, " No, this check has been altered ''. 
XX/XX/XXXX Visited Wells Fargo Bank , N.A . & filed Fraud Claim with XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX came to our home, took report & issued " Case Number '' XX/XX/XXXX We contacted United States Postal Service Inspector & filled claim. 
XX/XX/XXXX Went to Wells Fargo Bank , N.A . & filled out 2nd Check Fraud Claim due to the fact employees at Wells Fargo Bank , N.A . could not find the original from XX/XX/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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
Re-focusing on past statements PHEAA has provided in this forum, it is appalling that PHEAA basically calls me a liar by claiming that they couldn't " substantiate '' any inappropriate activity. The fact remains that they have employees who act threatening towards me when I call the company out on their wrongful behavior. Again, this is another form of discrimination against the borrower by the acts of their Agents. They allow people getting paid to be professional at their organization to act in any way other than professional. I have had Agents claim they were keeping a " close eye '' on my personal information after they became hostile over the phone simply because I disagreed with a statement they made. Chat Agents dialogue shows and proves contempt for being professional by claiming they " already answered my question '' when they did not, and I had to repeat myself multiple times. My guess is PHEAA deliberately deletes recordings that prove their agents are despicable and hateful individuals. These agents make mistakes that are borderline criminal by invalidly removing my access on multiple occasions. The responders are extremely short-sighted and fail to diligently look at all evidence of wrong-doing. There have been several chat transcripts like the one I submitted in the past. It is only when I post the entire transcript through this forum that PHEAA tries to claim apologies. Any other time, they find " no wrongdoing ''. This is an obvious red flag and a crucial clue that whoever is responding is not doing their job properly, and probably needs to be terminated or replaced. 
PHEAA STATEMENT FROM XX/XX/2022 -- While we understand that you have been dissatisfied with the service that you have received, we were unable to substantiate your claims of inappropriate activity. No further action related to restricting employees accesses to view account records is planned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-06-12 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: CA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through SANTANDER CONSUMER USAI have had several issues since I financed this vehicle with the dealership and SANTANDER CONSUMER USA. I have noticed a change in my APR without my authorization that was done by SANTANDER CONSUMER USA. I have requested the ORIGINAL LOAN APPLICATION and was told that it is against the companys policy to provide me with this document. I was told by XXXX employee ID XXXX that I have to get a court subpoena in order to obtain this document. I also was told a month ago that I needed to make 5 payments in order to be eligible for a deferment and when I called today XX/XX/XXXX to request a deferment XXXX employee ID # XXXX told me that I need to make XXXX payments in order to be eligible for a payment deferment. I asked for written proof of that policy and he told me that I need to get a court subpoena to obtain this document. He was very rude and spoke down on my intelligence of my ability to understand my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc.
State: OR

Complaint narrative:
HI there, I have contacted representatives that did not give me my money back, a supervisor stating this is right to cover up the mistake which i asked for a manager and she never replied after two weeks, finally received a managers contact information emailed him XXXX left a voicemail with no reply after over a week. Lastly I called the customer service number asking for a manager and was told the manager was busy and would call me XXXXXXXX by the end of business last Friday and still no contact. 

I need your help to correct an issue one of your representative at servion made onto one of my payments which she should have done was applied the check amount of {$970.00} I received from servion to my monthly payment but instead she increased one months charges for the exact amount of my check and the following month reduced it for that same amount, I will be giving you a break down of this in details below but this needs to be fixed. 

I asked for my check to be placed on XXXX 's payment and how is it I was charged more for XXXX 's month. My regular payment is {$3800.00} the representative charged me {$4800.00} in XXXX charging an additional {$970.00} that I did not approve and giving me a lower amount of {$970.00} means in total I am owed {$970.00} still. 

Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment {$970.00} XXXX charge not approved by customer {$4800.00} Total payment Payment Dated XX/XX/XXXX : {$3800.00} regular monthly payment $ XXXX lowered amount {$2900.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.

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 2023-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an incorrect report in my account from XXXX XXXX XXXX XXXX. 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my money market account with Capital One on XX/XX/XXXX. They supposedly sent me a check which I never got. The amount is {$23000.00} I have had to call them no less than 5 times to beg them to send me my money and every time I get the run around. They finally sent me an affidavit they insisted I get notarized and emailed to them. I did that on Thursday XX/XX/XXXX and they STILL have not confirmed receipt and they're telling me I have to wait 95 days for them to send my money! First of all I do not trust them at all. I think they will hold on to these funds for one lame excuse after another. Secondly they now have {$23000.00} of MINE which I am not earning interest on and they are. Theyre holding my money hostage and I NEED my money. They could have simply put a stop payment on the first check but they refuse. Now I closed my account on XX/XX/XXXX and if they were going to make me wait 95 days the clock should have started ticking THEN, not NOW. I am angry and this is causing me immeasurable stress. PLEASE HELP!

Company response to consumer: Closed with explanation