vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: 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.

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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
We took out a loan through our local community for home XXXXmprovements such as double paned windows. The loan was sold to Santandar bank many years ago.

We attempted to pay what we owed, but they are telling us there is a recording fee. From memory the recording fee was {$25.00}. 
Santandar has given us at least three different recording fees. When they send us a monthly bill, we pay it, they deposit the check, and then cut us a check in the same amount. We have not deposited any of their checks to us. 
Three weeks ago I asked a Santandar representative for a copy of the contract, they have not provided a copy of the contract. 
I have contacted the Pennsylvania State Attorney General office and they have not heard back from Santandar. This is well over a month.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is a follow up on a previous complaint of which the same Problem still exists and equifax misinterpreted the complaint and did not amswer ot properly or correct the problem. 

Below is an email i received from XXXX that says Equifax has issues Communicating my information to XXXX and everyone I speak to at Equifax ( most recent communication today ) doesnt know what I am talking about. 

Here is the email from XXXX : As a member of XXXX XXXX XXXX, XXXX of the benefits is three-bureau credit monitoring. Unfortunately, we were not able to establish credit monitoring with one or more credit bureaus, which means you have not been receiving alerts from this bureau when key changes were made to your credit report, if any : Equifax : ( XXXX ) XXXX You do still have access to your other XXXX membership benefits. To see all of the benefits available to you, please sign in here. 
If you have any questions, please contact us at ( XXXX ) XXXX ( XXXX from XXXX XXXX to XXXX XXXX and Saturday-Sunday from XXXX XXXX  to XXXX XXXX PT ). 
Sincerely, Your Experian Team I also received this notice from XXXX in their App : Sorry, we can't show you today 's XXXXbureau report. 
This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX  I disputed XXXX XXXX credit bureau failure to add notice of dispute by consumer with equifax 15 usc sec 623 failure to give notice of dispute which is a violation of FCRA and FDCPA... I DID NOT DISPUTE THE BALANCE ... XXXXComplain # XXXX though the CFPB..I demand this account be removed for this reporting error...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-08 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
My identify was stolen back in 2017 ever since then I been having problems with someone or people using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identify was stolen back in 2017 ever since then I been having problems with someone or people using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Burke Moore Law Group, LLP
State: NY

Complaint narrative:
I have no clue what this is On BURKE MOORE LAW GROUP , LLP received my letter USPS tracking number XXXX and which stated ... ... ... ..I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. I have no idea what this is plus they are in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I disputed the unauthorized transaction for XXXX / XXXX with Experian, and the dispute report # XXXX did not find the mistake. 
Back in XXXX, I found many fraudulent transactions and called XXXX to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, 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 2024-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I deposited a check from Md prepaid XXXX that was made out to my daughter. When I called prepaid plan to have a check distributed for her freshman semester they said that since I had moved I could wait the 30 days for them to update my address or mail the check in my daughters name right away. When it was received, she signed it and I then deposited it into my Citizens Access online account in XX/XX/XXXX. They cashed the check 11 days later. 
It wasn't until XXXX that I realized that the check had a stop payment which wouldn't be cleared until XXXX of XXXX. I also wasn't able to transfer funds out of the account. When I called citizens they said that it was because the check was made out to XXXX and that I would need to add her as a joint account owner, then it would be unfrozen and I wouldn't be able to use the account but could them close it. 
It was a XXXX who I spoke with who was supposed to call me back XXXX days later to see if there was anything else that I could do. I never received a call back but when I called again there was a message that the XXXX had put in saying there was nothing else to do but add her as a joint account holder. 
I attempted to do this on XX/XX/XXXX but got a message that I couldn't. I called access on XX/XX/XXXX and was told that it could be a false positive, something about her social? XXXX affiliated with the treasury department. I called again on XX/XX/XXXX and was told that I needed to have my daughter call. She did but they said they couldn't do anything because she has no credit!?! Why would an XXXX XXXX XXXX need credit or anyone to be a joint savings account holder. I called again on XX/XX/XXXX and was told that the XXXX gave me incorrect information and that they'd look into the situation. XXXX XXXX is person told me that I might have to call MD prepaid to have them request the check back. 
I called access again today XX/XX/XXXX to be told that this is being looked into to. I called MD prepaid prior to this and was told that they can't request the check back since it was deposited XX/XX/XXXX and cashed 11 days later. I am anxiously awaiting a resolution to this as the bank has unfairly frozen my account and I fear they will steal my money! I haven't hired a lawyer yet but if this isn't resolved in XXXX days, that will be my next step. I hope you can help as this is absurd. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2024-01-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Totally impossible but always happens Experian working on issues. THIS S A COMPLETE FABRICATION BECAUSE THIS IS A STALL TACTIC LIKE ALL THE OTHERS

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 2024-01-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I've been a victim of identity theft once again. I found numerous accounts on my credit report that I did not open. This has been hurting me as I am in the process of buying a new home for my family. Please remove these fraudulent accounts from my credit report 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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX I received the email from XXXX XXXX with proof of verification of debt from BMO Harris Bank. I responded to the same email XX/XX/ asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.

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 2024-01-08 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to formally express my dissatisfaction and concern over the unwarranted placement of an administrative forbearance on my Nelnet student loan account, which was implemented against my explicit wishes. Despite numerous attempts to rectify this issue and resume my payment plan under the SAVE program, which subsidizes interest, my requests have been consistently ignored or refused. Furthermore, I have been informed by a representative from Nelnet that I am liable for the interest accrued during this forbearance period, even though I explicitly requested numerous times to have the administrative forbearance removed. I have been approved for the SAVE plan since XX/XX/XXXX and should be benefitting from that payment plan. I called Nelnet in XXXX to remove the administrative forbearance ( which at the time, ended on XX/XX/XXXX ) but instead another one was placed for payments to resume XX/XX/XXXX. I spoke with a representative from Nelnet on XX/XX/XXXX from the solutions department who told me that it was their mistake and the issue would be resolved by XXXX. I called again on XX/XX/XXXX to check in on the progress of my request and for some inexplicable reason, they had no visibility as to how far along my request was and could only tell me to check in during XXXX. I called for a fourth time on XX/XX/XXXX and the representative had no idea what was going on and told me explicitly that she would help me remove the administrative forbearance. On XX/XX/XXXX, I received an email saying that my payments have been postponed due to an administrative forbearance being applied to my account. I called again on XX/XX/XXXX in an attempt to rectify the situation, yet again, but was on the phone for more than 2 hours, only for the Nelnet representative to drop the call. This situation not only represents a failure in adhering to agreed terms but also appears to be a deliberate attempt to impose unjustified charges. This is beyond acceptable- its basically criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I got a notification from my credit monitoring service that I have a new collection. I had no prior knowledge of this debt collector or this debt prior to it going on my credit. I sent a letter requesting validation of the debt. However, I received a copy of a bill. A bill is not validating the debt. I sent a second letter via certified mail requesting validation which I still have not received. The amount is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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 writing this request to EXPERIAN that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted Mohela and XXXX to ask that it show paid in full closed. XXXX responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, XXXX still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for amex 's platinum credit card through a friend 's invite link on XX/XX/XXXX. After I clicked on the link, the webpage showed that I could get a welcome offer of XXXX points if I spend {$8000.00} within 3 months, so I applied for the card and called the amex customer service number to confirm after submitting the application, the staff on the phone told me that I did meet the requirements and sent me the credit card in the mail. Within a month of receiving the card, I had spent {$9000.00}, which qualified me for the welcome offer, but I had not received the XXXX points. 

I spoke to the online customer service and was told that the system logged me as agreeing to give up the welcome offer, which I thought was unbelievable, there was no way I would give up my welcome offer! So the customer service agreed to start an investigation for me. However, when I asked for the result of the investigation, they told me that they could not find the call history and therefore I could not get the welcome offer, but I had made the call and I was able to provide the screenshot of the call history. 

I believe that amex is committing fraud by soliciting customers through advertisements and then denying it when they make good on their promises and can't provide any evidence. As a consumer, very passive and helpless, I feel cheated.

Company response to consumer: Closed with explanation