vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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: CA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2022-08-26 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: EdFinancial Services
State: OR

Complaint narrative:
I graduated from XXXX XXXX  on XX/XX/2022. I have XXXX XXXX and Direct Unsubsidized federal loans. In XXXX, I contacted my servicer, EdFinancial to let them know that I had graduated, and asked that they update their records. 

On XX/XX/2022, I submitted a repayment application, requesting an income-driven repayment ( IDR ) plan and indicated that I wanted to start making payments under the plan immediately. My XXXX XXXX loans were placed in an IDR, but not my Direct Unsubsidized loans. 

I contacted EdFinancial by phone and they told me to submit another repayment application, which I did, on XX/XX/2022. On XX/XX/XXXX, I emailed EdFinancial to ask about the status of the application. On XX/XX/XXXX, they replied and said that it would take 7-10 business days to be processed. 

On XX/XX/2022, I submitted another IDR request. I then emailed EdFinancial again on XX/XX/2022, letting them know that if they were unable to resolve this issue for me in a timely manner, that I would be filing a complaint with CFPB. I attached all three IDR requests. I have not received a response to that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX XXXX XXXX XXXX XXXX was verified and accurate. On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. " After obtaining a new credit report on XX/XX/XXXX, I noticed the Balance updated date was XX/XX/XXXX and status updated was XX/XX/XXXX. Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, Experian 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, Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Paid total balance due on XX/XX/2022

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo advertised their business platinum card coming with a {$350.00} cash bonus. Wells Fargo claims they paid me the bonus but they have not. There is no way for me to access the cash back balance or the rewards membership # associated with the business card.

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 2022-08-26 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 Consumer USA Holdings Inc.
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NC

Complaint narrative:
I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. 

The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report. Violated 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to share my information. These accounts are fraudulent XXXX XXXX XXXX  XXXX # XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX # XXXX AMOUNT {$8000.00} OPENED XX/XX/XXXX Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: First National Collection Bureau, Inc.
State: TN

Complaint narrative:
This debt collection company sent me a text message at XXXXam CST on XX/XX/2022. I have saved the text message as well as taken a screenshot that includes the time received time stamp.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not honoring my claim of a fraud check worth {$3200.00}. I deposited the check on XX/XX/22 and the teller told me that the funds will be in my account after midnight. I checked my account the following day XX/XX/22 and the money is in my account. And on XX/XX/22, the bank found out that it was a counterfeit check and they took the money out from my account. Why did they put the money in my account before the check was cleared? I am a victim of a fraud check scam. Why are they not honoring my claim? Please help me. {$3200.00} is a lot of money for me.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: OH

Complaint narrative:
On XX/XX/2022 I paid {$1000.00} to Top Flight Assistance for credit repair services. After months of no contact, the company is now unreachable by phone or email, and I have not received any of the agreed upon services as stated in service agreement contract. I have made several failed attempts at messages thru the companys app based client portal, which Ive since been locked out of, and attempted calls and texts to members of the staff who originally were tasked to handle my account.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am not able to service my account with capital one and now one knows why I've called customer service like 4 time and no one was able to help and was told they will submit a ticket to see what's going on with my account and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Hello, On XX/XX/XXXX two transactions in the amount of XXXX were taken out of my account. I was a victim of XXXX fraud where they called from USBank number. The representative stated he was from US Bank and there was a fraud on my account in XXXX and they needed to investigate. I was leary so he transferred me to a supervisor who advised me of same thing. They hacked my account and took XXXX from me! Once I refreshed my account I heard a laugh and they hung up. I called US Bank back immediately to file a claim. I waited 10 business days, got sent to different departments, got false hopes. So today XX/XX/XXXX called and got the most dryest insensitive rep who bluntly said claims were denied we dont support scams. I asked her about Regulation E, she says what about it? She basically told me I should have read the top of the screen where it says we would never ask for money. I hung up. I emailed and wrote XXXX today the CEO. As a former US Bank employee this is disheartening that US Bank not only doesnt care about their employees but their customers as well.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I was behind one payment for a Discover credit card due to illness/accident. I spoke with several Account managers and in the course of conversation each disconnected the call. I finally reached a manager who stated there were several option which would be available to me. I chose an option which would decrease the interest rate to 09 %, pat {$38.00} per month. Late fees are suppressed and the credit card will REMAIN THE SAME.I accepted this program and was paying monthly to commence on XXXX XXXX, 2022. I have the information in writing. When starting the program, I was now informed that the credit card will be immediately " REVOKED ". This whole scenario was DECEPTIVE & FRAUDULENT!!!! This appears to obtain monies from me for future payments under false pretenses. I am a XXXX XXXX, XXXX. Discover Card reps. acted in a most deceitful manner which is a very unprofessional manner, and Discover Card Corp. should be punished as deemed by the U.S. Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXXXXXX Lied They Not Works For XXXX XXXX XXXX Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX Option XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake XXXX XXXX Stealing My Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have attached the letter I sent to Navient asking to accept an offer to forgive the remaining balance on my loan. I believe from the outset I was not giving options that would have kept the balance of my loan from ballooning to where it is today. Instead of forbearance for a few years which ended up costing me tens of thousands of dollars, they could have directed me or at least offered me Income based repayments that would have at the time kept my balance at a manageable level. My original loan which started at approximately XXXX XXXX has grown to XXXX XXXX and continues to grow. I have paid back over XXXX XXXX since repayment started. The capitalized interest has destroyed my hopes of paying this loan off. I wasn't even afforded the ability during the pandemic to pause my loans or have the XXXX per month payment I've been sending go towards the principle balance. I feel Navient is and has been a predatory lender with regards to my loans and hope that at some point they are held accountable. They have been sending me mailings to change my loan to a private loan at a reduced interest rate for months now. Once again predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been trying to get a copy of my consumer report from TransUnion online and was unable to for XXXX months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on XXXX XXXX XXXX.transunionXXXX  for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX agent XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on credit karma to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block

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 2022-08-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
What happened was that somebody hack a log of peoples account and stole our money. They used my zelle account to transfer money from XXXX account and send it to mine and then send it to another one. My money is gone and the money from the person before me is gone too. 

Now Im receiving calls from that they stole the money saying that they gon na kill me and blaming me. When the same is happening to me, they dont let me explain they stole my money too. All my money is gone too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
In early XX/XX/2021 I received a letter from E*TRADE Financial informing me that my wife and I had two cash savings accounts, totaling {$23000.00}, that to them appeared to be inactive. We were given until XX/XX/2021 to reactivate them, or the funds would be sent to the XXXX  Treasury, Unclaimed Property Division. I reactivated them, per instructions from an E*TRADE customer rep, by going online and changing the passwords. As of XX/XX/2021, a week after the deadline, the funds were still in the accounts. On XX/XX/2021 E*TRADE BANK unilaterally, without my knowledge or consent, closed both the accounts, without further contact or explanation. The funds seem to have vaporized from that point forward. 

I go to the XXXX Unclaimed Property website at least once a week, and call them by phone once a month. There is no trace of the funds, after almost 18 months. 

I have spent literally hours on the phone with upwards of 20 E*TRADE customer reps and supervisors all of whom profess to be sympathetic to my plight ; each one of them has promised to get back to me, after researching the issue, and only once have I ever gotten a follow up call. And that was just recently, after I sent E*TRADE a demand letter, asking for my money, or tell me where the funds were sent. As of today I have received absolutely NO information about the whereabouts of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on 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 2022-08-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on 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 non-monetary relief