vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I were scammed into a travel agency that promised discounted travel points like a timeshare for a loan amount of approximately XXXX. After signing up we never received real points and were not able to use what we just " purchased ''. We did not receive a product or anything in return which should make the " purchase '' null and void but XXXX XXXX XXXX XXXX XXXX XXXX ) had loop holes in their contract that allows them to continue to scam people and commit fraud when there are 100s of lawsuits against them. Therefore in XXXX, we obtained a lawyer which advised a cease and desist letter situation would be best after getting harassed for payment for something I couldn't use. In XXXX and XXXX, even AFTER the cease and desist letters to XXXX and Monterey Collections went out multiple times we still received many phone calls to collect a very high charged interest added amount for over XXXX in just one year. They argued that XXXX was in the right, that no one could save our credit and if we didn't cooperate this would ruin buying a home in the future and go under " real estate ", even though we hadn't purchased any type of home, hotel, or physical place to actually be able to set foot in. We have been fighting this since XXXX and now they want to put it on our credit and put as of XXXX and delinquent as if this were by choice when we had no say in the matter of fraud. Monterey Collections got scammed too by buying a debt amount that was wrongfully and deceivingly sold to us under false presences. This has been negatively affecting our lives and housing approvals for almost 5 years now and it is very discouraging, exhausting, and unbelievable how there are no rights for me to get this removed from my credit report. How many more people have to report XXXX for places like the Consumer Credit Bureau and XXXX to help us by not accepting their debt claims?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off an installment account in full on the XXXX or XXXX of last month and cancelled the account with the creditor. The creditor reports on the XXXX of the month. They ( creditor ) did not report the payoff or cancellation. I called the lender and asked why they did not upfate the account information to my credit reporting companies. They responded that they will do it sometime in ghe following month. I then filed a dispute with both Transunion and XXXX about the account status. XXXX took care of their part updating their account information and verifying the debt paid in full and and closed before the end of this last month. TransUnion did not report it until today and reported it as a reopened account with the old balance showing. I again disputed this over the phone with them today. Their response was they will look at it again within the next 30 days. I was going to buy a vehicle today but will have to hold off because of XXXX mistake. I am writing you of my experience with TranUnion and an unnecessary cloud on my credit because of their incompetence.

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 2022-10-05 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt cbllector may not communicate with a consumer in connection with the collection of any debt I demand this account be deleted from my credit 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 explanation
Consumer complaint received 2022-10-05 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:
I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give Equifax permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check on XX/XX/XXXX for {$6000.00}. I put it in ATM. I knew it would be on hold.I {$100.00} in the account before deposit. I was able to use my debit card until XXXX XXXX  that day when at the gas station my card was denied- told it said restricted. Called cust. serv. immediately - told my account was revoked and the check was on hold for a week. No reason for revoking my debit card. Told unable to use it until hold is off. Was told it's how they do it. I went to the branch on XXXX the next day - doors were locked - not enough staff. So I went to drive thru -demanded to know what was going on with my card. was told my account frozen. told them money was in there before the deposit -they got permission - gave me the XXXX I had in the account. I was told that my account was done & needed to shred my debit card ( they had it inside for ID purposes ) I demanded a meeting with manager, they referred me to XXXX XXXX at XXXX XXXX and gave me her number. I called. Spoke with her and she said she would figure it out and call me back. She did not. I called her. She stated that check on hold til Monday and account frozen until the check clears because -was deemed poss. fraud. It was a check from my uncle who borrowed me money for a debt consolidation to fix my credit. He was called by XXXX ( his bank ) gave the OK to fund the check. Received a letter dated XX/XX/XXXX stating there is a hold and would be released on XXXX. On XXXX I got notified via email that funds were available. Tried to use card still can not .Called cust. serv. told they put an addl hold with a different dept on check. Now told me it may be XXXX before it is available. Am told possible fraud. Also stating Citizens not funding. This is a lie. I still can not use my card -my payroll went to this acct today. II am now behind on all of my auto pays on my card in my account, I am now instead of XXXX in debt, XXXX because I have to make payments on this money that is on hold. You can see all of my documentation attached. In addition I have made a dozen called to the local branch and customer service. I am being treated like a criminal and I literally did nothing but make a large deposit ( large to me and apparently the bank ). This is financial profiling! 

Desired Settlement : I want my money. I did nothing wrong. The hold had been done as stated in the letter PLUS some. It is my money from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: SC

Complaint narrative:
The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which, to my understanding charge off accounts should NOT include an active payment history. Need I remind you this falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX Account # XXXX Also please take into consideration that according to the IRS website a charge off is considered ordinary income which means that this is an inaccurate account furnishing on my credit report and I have proof of why it should be gone. It's cancelled debt and the company has filed it on their taxes but are also reporting it on my credit report as debt. If a charge off is considered ordinary income how could it be furnishing on my credit report as debt? The IRS website mentioned that the company was supposed to send me a 1099-C form so I can file it on my taxes as income. This is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX22, I called Nelnet, my loan servicer, requested {$5800.00} in payments made during the COVID forbearance period ( 29 payments ) be refunded, as I will be applying for student loan forgiveness. Customer Service told me my request was submitted to the Solutions team, and review would be complete in 4-6 weeks. All of my peers who also requested these refunds around this time have had their refunds processed and balances reapplied to their loans. I called Nelnet again on XX/XX/XXXX22 to get an update on my refund status, and Customer Service told me my original request from XX/XX/XXXX was not correctly submitted by the previous Customer Service Representative, because they forgot to provide the Solutions team " all necessary information '' regarding my request. So, during this call on XX/XX/XXXX, I resubmitted my request. I just called Nelnet again this morning ( XX/XX/XXXX2022 ), and XXXX, the Customer Service Representative I spoke to, confirmed my request has been acknowledged by the Solutions team. XXXX stated the processing time for these refund requests is now 16 weeks, which would lead into early XX/XX/XXXX2023. Since the COVID forbearance period ends in at the end of XXXX, I will be forced to make payments while Nelnet continues processing my refund request, and while the DOE reviews my student loan forgiveness request, which I can not submit until after Nelnet refunds my payments, in order to ensure my entire balance is forgiven. In sum, I will be waiting an extra four months for my refund and to just apply for loan forgiveness and will have to make payments during that time, all because Nelnet didn't submit my request properly when first called on XX/XX/XXXX/2022. While most other requests made at that time have completed review, I'm unfortunately stuck waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XXXX/XXXX/2022, including a copy of my ID for identity verification. Its been over a month now but you still havent complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compansation should you continue with you non-compliance.

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 2022-10-05 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: MD

Complaint narrative:
I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.

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 2022-10-05 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:
I recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, I am filing this complaint against Synchrony Bank regarding the following accounts I have with this business. 

1. XXXX XXXX- {$3200.00} credit limit reinstated and corrected utilization for Credit report 2. XXXX XXXX- {$1000.00} credit issued to balance owed for interest and transactions per Customer service and correction to utilization for Credit report 3. XXXX  {$3500.00} Credit limit reinstated and corrected utilization for Credit report 4. XXXX XXXX XXXX - {$4500.00} refund check

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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I dialed a number for XXXX XXXX to get help resolving my printer. XXXX to me, the agent I was connected to is not an XXXX employee, and he gained access to my computer to fix drivers any other issues stopping my computer from communicating with my printer. While he was supposedly fixing the problem, which took XXXX XXXX hours, ( and my printer was still not fixed, BTW ), he gained access to my PayPal account, and Banking accounts, and my XXXX account. 
He submitted a chage of {$1500.00} to Pay Pal, ( and they added a XXXX fee for the cash charge ) which was tied to my XXXX XXXX XXXX XXXX, and they authorized the payment as an authorized payment. I notified PayPal of the breach within 1 hour of the ended session with the indivual. They supposedly investigated, and are denying that this purchase was unauthorized, saying that this transaction was typical of charges on my PayPal account. I pointed out that I have NEVER sent cash to someone through PayPal or my XXXX XXXX XXXX, and have never made a purchase of such a large amount either. There is no address, no company name or telephone number for this individual, who's name is XXXX XXXX. There is also no explanation of services rendered. 
I also alerted my credit card company within XXXX hour and discontinued the card associated with the XXXX account. I am still waiting for XXXX XXXX XXXX  XXXX to take the charge off my credit card, and don't know at this time whether this will be resolved. 
He also tried to transfer {$1500.00} from my savings to a debit card, which my banking institution XXXX XXXX XXXX XXXX did fix right away. I the set up all new accounts and numbers with my local XXXX XXXX rep. 
He then went to my XXXX account and charged 5 Reload cards, each with a value of {$200.00} so he could shop at will. 4 of them were cancelled, but one of the 5, valueing {$200.00} was charged to my XXXX XXXX XXXX XXXXXXXX card before it was cancelled. 
I am still waiting to see if XXXXXXXX XXXX  will take this off as well as the {$1500.00} from PayPal I'm a senior living on a modest income, and really can't afford to pay these unauthorized charges and hope someone out there will follow up on my case. He gave me a tel # to call him back directly, and I actually have a name. Does anyone really investigate these cybercriminals?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MI

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-05 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: MI

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TN

Complaint narrative:
The car I HAD WITH XXXX XXXX XXXX has been REPOSSESS and the account is showing as an OPEN car loan when it should be closed on my credit. Equifax would know that if they had investigated thoroughly and asked if I still had the car. I have no problem with the account being on my credit REPORT THE STATUS OF THE ACCOUNT CORRECTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ME

Complaint narrative:
I co-signed a student loan almost 17 years ago for my oldest daughter. The terms of the loan clearly stated a 120 month re-payment schedule. Now 193 months later the AES is trying to get me to pay the loan, because they kept deferring payments and allowing the interest to accumulate to well over {$20000.00}. 
I have requested a co-signer release numerous times, but they keep denying it. 
Now they are harassing me about the payments, and have ruined my credit score. 
I went from an XXXX to a XXXX in 4 months because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

Company response to consumer: Closed with explanation