vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by XXXX with blocking the XXXX XXXX from pulling his XXXX Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although XXXX claims there is no XXXX XXXX or XXXX freeze on his report. 

We Protected XXXX XXXX  and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to XXXX 's illegal biased discriminatory practices. 

He called the XXXX Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his XXXX Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with Experian who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and Experian states the same thing that there are no Security Freezes or Fraud Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by XXXX and Experian, as the companies are confirming they have made several attempts to pull credit to no avail.

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 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: RI

Complaint narrative:
My car was totaled on XX/XX/XXXX. My insurance company, XXXX, reached out to the Huntington National Bank for the payoff amount and I received a noticed that a check had been mailed on XX/XX/XXXX. On XX/XX/XXXX I received a notification from Huntington National Bank that my loan payment was overdue. I reached out to the bank on XX/XX/XXXX to find out why the check had not been applied. They stated that they did not receive the check. I asked my insurance company to send a new check and have the check overnighted with tracking information. The check was received and signed for by XXXX XXXX. When I called Huntington Bank to see if the check had been applied yet, they stated that they had not received the check and opened a lost check ticket. After investigation, Huntington stated they had received the check but that the vehicle 's VIN number was not on the check, so they did not apply it. They also stated that the payoff amount had gone up. My insurance provider, XXXX, sent me photocopies of the check which shows the account number and VIN number were both on the check stub. XXXX sent yet another check overnighted on XX/XX/XXXX. This check was finally applied ; however, Huntington National Bank is insisting there are late fees and a remaining balance of {$140.00}. All checks mailed to Huntington National Bank did contain the appropriate information on the check stub, yet they refused to apply the checks and continued to increase the balance of the loan so new checks needed to be made out. At this point, we are well into XX/XX/XXXX and Huntington NationaXXXX Bank is continuing to drag this process out in order to add to the loan amount. My insurance provider continues to send checks and when I call Huntington National Bank they insist their records show that the checks did not have the appropriate information on them to be applied even though I have photocopies of the check showing they do. My most recent call to them today, I was told that they have tried to reach out to me to resolve the issue but I have not received a single call. I have already purchased a new car and made sure to use another bank for the loan. The last thing I need is for this to impact my credit as I have never missed a loan payment in the past. Today when I asked to speak to a Huntington National Bank supervisor I was hung up on. I hope the calls are recorded. 
My car was totaled when it rolled over off a dirt mountain roaXXXX in Vermont with my father and my XXXX XXXX inside. I just want this loan closed out to put this awful car accident behind me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo is the holder of a line of credit I received through XXXX XXXX XXXX. Im not sure if its considered a Wells Fargo credit card because it has a higher balance than what I utilized from the store. They have informed me that there is a policy that any late payment, even by one single day, is subject to fines that can not and will not be discharged or waived. There is no recourse the public has to contest these fees. There is absolutely no grace period for this either. I had attempted to explain a number of health issues and hospitalizations and technical issues on the side of Wells Fargo that has prevented timely 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 monetary relief
Consumer complaint received 2023-01-12 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2023 I sent a dispute to Chexsystems regarding some errors I discovered on my report. They came back today, a day after I submitted my dispute saying the investigation was frivolous and won't investigate. That I need to tell them what's wrong in the report. This is not my job. They're job is to make sure ALL THE INFORMATION ON MY REPORT IS XXXX XXXX ACCURATE. Reporting inaccurate information is a violation of my rights. 

I demand the following account to be investigated and verified. If not, it has to be delete immediately from my report. 

Source : XXXX XXXX XXXX XXXX XXXX : Transactions involving POSSIBLY altered items or checks. 
Reported name : XXXX XXXX ( NOT MY NAME ) Reported address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( NOT MY ADDRESS ) Alleged Charge Off Amount : {$1900.00}

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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc.
State: GA

Complaint narrative:
My loan was modified due to a job loss, and I explicitly asked if it would not cause my account to be reported as delinquent, which I was told it would not. I received the paperwork and signed. I am attaching a copy. However, they are reporting me as being {$3400.00} delinquent and any payment not being accepted until that is paid. 

I have documentation where I explicitly asked etc as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have asked numerous times for a different repayment option, or an extension for temporary deferment due to a strenuous repayment plan of {$770.00} a month. Regarless of paystubs, W-2, monthly expenses lists, and other financial assistance I have showing I am unable to keep this repayment option I am being told I have no choice but to pay the loan amount due. No-one at XXXX XXXX University XXXX XXXX XXXX XXXX is willing to help me so that my life is not severely affected by this. I am a single mother trying to pay this every month and experiencing extreme mental health issues over this with no care in regards from the lender or finance company they sold me original loan company over to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
AES sent me a letter, claiming that I was 28 days past due of my payment. I already signed up for XXXX XXXX XXXX a month ago on AES Success 's website. AES never processed my XXXX XXXX  ; instead, the company is sending me harassing messages and letters demanding payment. 

I don't owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NV

Complaint narrative:
On XX/XX/2018, a XXXX XXXX personal loan in the amount of {$16000.00}, was opened without my consent. I have been victim of identity theft since my personal information was leaked from the data breach from XXXX. I've also received information that my personal email address and passwords were hacked based on findings from an Experian report. I have filed a total of XXXX different ID theft police reports since the XXXX breach. I've also filed an ID Theft affidavit as well as FTC reports for the numerous fraudulent accounts that were being opened with my personal information. I've previously disputed this account with Experian, in which they blocked the account from appearing on my report. But a year later, the account reappeared on my credit history and Experian has not yet removed the account despite my numerous disputes submitted and phone calls with Experians Fraud Department. I've sent them all the police reports, FTC reports and notarized ID theft affidavits that validate my claim and yet the account still remains. The other credit bureaus have removed the account permanently without any issues.

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 2023-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: RI

Complaint narrative:
Overcollection of funds to be applied to escrow ( tax and insurance ) account. Lack of communication regarding additional funds being taken from escrow account to pay bills not within guidelines. Lack of communication regarding denial o escrow fund waiver. Wrongly denial for escrow fund waiver. 
Just an overall horrible experience with the servicing-side of this organization as well as a severe lack of communication overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts has violated my rights : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Barclay Credit Card had a ACH taken out on my checking account on XX/XX/XXXX. 
The next day they had a nationwide system glitch and tried to take payment again on XX/XX/XXXX My bank didn't pay the second time due to funds not being available. 
Barclay then did a reversal for duplicate payment ( there was never a duplicate payment ) on XX/XX/XXXX My bank sent payment back to Barclay on XX/XX/XXXX through the Federal Reserve System for retrieval. 

Barclay states they can't find the payment.

I have faxed all the information from the bank to them with no resolution. I have been trying to get this resolved since XX/XX/XXXX to no avail. I have been charged late fees and finance charges on my account due to this. The majority of the fees have been removed but I was just charged {$65.00} finance charge on XX/XX/XXXX that no one can remove because they can't find payment that was sent back. 

Barclay still shows me owing the amount of XXXX which is not in my bank account. I have a copy of all the banking information. 

I need someone to please help me resolve this issue. I don't want this affecting my credit report. 

I have also filed a complaint with the Better Business Bureau. 

Thank You, 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 2023-01-12 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
woke up and Bank of America decided to close my account

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 2023-01-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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