vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
Transunion, XXXX XXXX and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: GA

Complaint narrative:
I applied for an extension of credit with Keybank. XXXX the branch manager reached out to me to inform me that I was denied over the phone. Key bank sent adverse action via cfpb portal but not to my mailing address. 

KeyBank mentions that they are unable to approve me for the following reasons : Business out of footprint and without necessary existing relationship with KeyBank Lack of experience with present account. 

Ive provided Keybank with my business address that is within their blueprint. I also have business partners who also have brand new accounts with Keybank and doesn't stay within the blueprint but has a business address within the blueprint and they received an extension of credit. KeyBank has discriminated against met and I would like to CFPB assistance in getting resolution. 


This is a direct violation of my consumer rights 15USC 1602 tells me credit is my right. I can not be denied a right. Key bank has discriminated against me. 15 USC 1691 makes it clear that I cant be discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX - Complaint Number where your company stated, Our office is not reporting this account to any credit bureau XXXX 

Your company is furnishing information to my consumer report and it is harming my reputation and ability to move in commerce. You all are aware of my CEASE AND DESIST and I wish that you reframe from communication with me. Communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 USC 1692a ( 2 ). 

I have attached proof of what was sent by mail.

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 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On the XX/XX/22 I received a text from Bank of America saying that someone was trying to get some money from my account by XXXX if i allow it I responded no then a minute later I received a call i normally dont answer numbers that i dont know i figured out it was from the bank since i just received a text he was saying that he called from bank of America someone was trying to get some money we need to take care of it ok i said how do I know if you he telling me the truth he told me go on your account I did he was telling me everything from my account the amount my last transaction I did I only confirmed the information I said it must be from the bank he gave me a name and he told me he s going to give me a number of an associate that's on the case so whoever that trying to take money from my account can't do it I said to him again how do I know if you from the bank he told me go look in the back of your card you will see the the number I'm calling is the same I went and checked and I did the transaction he asked and after he asked me to delete his info this is where I realized it was a scam I called the bank right no one tried to help me until Monday XXXX someone filed the claim since then everytime I called is the same answers please help me I have family in XXXX to help I can't not loose this money 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 2022-09-28 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: IL

Complaint narrative:
I have asked for PROOF of " validation of a XXXX  XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and LCI and any other third party reporting agency '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each 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 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I again am having issues with the redemption department requesting loan extensions to my vehicle. Just monday XX/XX/2022 I called before my account payment was due. I confirmed the accout was current. I also confirmed florida has a 14 day window where no late fees are assessed on car payments per jurisdiction law policy. My request for the redemption department was to extend the loan due to a natural disaster hurrican ian and the fema forced florida evacuations and closers. They began yesterday and my business is impacted. The rep was a nice gentleman who also lives in florida. He did the whole request and read the details if you listen disclosing that my extension due to the hurricanes details. I accepted this and it was submitted. Has the request for a payment extension been granted yet? Please confirm and recap this process with my loan status. I called chase redemption department at phone : XXXX from my phone on file ; monday XX/XX/2022 at XXXX XXXX  XXXX and the call logs duration shows duration 15 mins 7 seconds. Is this request granted?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 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 2022-09-28 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX TransUnion continues to furnish Incorrect & inaccurate information about me even after providing them with FTC Report Number : XXXX. I mailed them this on XX/XX/XXXX and and in response they sent me back two letters. 

Exhibit A The response to my previous CFPB ID # XXXX Stating they would not block the unauthorized transactions even though I attached my FTC REPORT XXXX Identification, Proof of Residence, and a utility bill from the last 30 days. Dated XX/XX/XXXX Exhibit B stating that they are unable to Locate Credit Report. Dated XX/XX/XXXX The accounts listed in the FTC Report do not relate to any transactions that I made or authorized. Please remove these accounts because they are inaccurate and unknown to me. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681i, I am requesting that the adverse information the accounts be removed to correct and update the information. Please REINVESTIGATE these matters and delete the disputed accounts as soon as possible : XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These were not authorized please remove them from my credit report! 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Which state that these accounts must be removed within 4 Business Days of receipt. Also, please send a copy of my updated credit report to the address above. 

Sincerely, 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 2022-09-28 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 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 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
It was during 2020 during the COVID 19 pandemic I hadn't used the card in a few months but had always paid in full on time when I had used it. in XXXX of they decided that I was a credit risk ( my husband had carried a balance on one of his non wells Fargo credit cards while making the minimum payments ) and shut down my credit card and stole hundreds of dollars of rewards that I had earned to that point

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I made a payment of {$1200.00} last week, reducing my total balance. The payment posted, and has been deducted from my bank account. Unfortunately, Citibank will not update my available credit despite the payment being made as this was a larger than usual payment on the account. I spoke with an account manager and they didnt have the ability to confirm with my bank that the payment was deducted. Im away from home and this is the only payment method I have access to currently.

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 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have emailed both of the companies I had a student loan with ( XXXX XXXX XXXX and mohela ). XXXX XXXX XXXX  responded saying they are no longer responsible so I emailed mohela about the issue. Although I made payments to both companies since XX/XX/2020. I wish to receive a refund for payments made after XX/XX/2020 on behalf of the new {$10000.00} relief for student loan debt. I qualify for the relief. However if I dont receive the refund before everything is processed Im worried I wont receive the full amount in debt relief. 
Thank you for your time 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 2022-09-28 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: DISCOVER BANK
State: PA

Complaint narrative:
Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX  can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).

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 2022-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Sayer Law Group, P.C.
State: TX

Complaint narrative:
The Sawyer Law Group attempted to collect a debt by mail in late XXXX. I didn't want them to assume the debt they purchased was valid so I sent them a notice of dispute. I asked for a declaration swearing that statements made in a document are true or copy of a judgment against me. XX/XX/22 I get a response back stating, " Enclosed is a copy of the verification of your debt .... '' I have attached the notice. It was not signed by any person. I have reason to believe that this debt collector is looking to mislead me into believing that I owe a debt to them. The Sawyer Law Group has disclosed in writing that it is a debt collector and has directed me to the CFPB to learn and enforce my rights under the FDCPA. I have asked this company to cease communication with me and if any communication marked as an attempt to collect a debt is sent directly or indirectly, I will explore legal options to enforce civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: OK

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
In accordance with the Fair Credit Reporting act, the accounts below have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

1. Payment error can not report late payments According to 15 U.S.C 1666B XXXX XXXX XXXX Account Number : XXXX Please update the payment history to positive for 2016

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 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Hello. I am in need of some help. Last year, I didn't have a checking account, just a savings and I thought that I needed a checking account to pay my student loans so I asked someone to please put the money in their account and pay my loan for me from their account. I paid Great Lakes a total of {$32000.00}. I now qualify for a refund and they are willing to give it to me. However, they refuse to place the money into an account with MY name matching my student loans account. They also refuse to send me a paper check. They said the money is going to go right bank into the account that was used to pay the loan. Mind you, I have any order of protection against that person and they dont even reside in New York anymore. They had me call the Department of EDU and Department of Treasury claiming they can help me. I finally spoke to a nice girl from the Dept. of Edu and she said that has nothing to do with them nor the Dept of treasury. She said Its between my servicer ( Great Lakes ) and myself. If they took the money, they can change the refund method. I am a single mom of two and im going to loose all of my hard worked money due to Great Lakes. I filed so many complaints with them and spoke to countless supervisors. They said even though the money will go to someone else 's account who has a total different name and what not, its not their problem. PLEASE, someone help me. I even told them on student aid.edu, it states " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' and they said that means it goes to someone else. IT MAKES NO SENSE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Company repoed the vehicle and is still reporting late payment to the credit bureaus.

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 2022-09-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting Act XXXX Account # XXXX Santander consumer has violated my rights 15 U.S.C 1681 Section 602 A, States that I have a right to privacy 15 U.S.C 1681 Section 604 A, Section 2. States A consumer reporting agency can not furnish A Account without my written instructions

Company response to consumer: Closed with explanation