vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-01 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: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.

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 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

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 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

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 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
This complaint is a separate issue from my complaint filed on XX/XX/XXXX Complaint # XXXX I consolidated my federal student loan with LendKey on XX/XX/XXXX. During that time, my loan servicer was XXXX. I owed an amount of {$210000.00} to pay this loan in full. During the period of consolidation, Lendkey provided a payment amount of {$220000.00} to complete my private loan consolidation. This amount is {$5300.00}, over the amount required to pay off my federal student loan. When I asked Lendkey why they submitted the payment at a higher amount. I was told by LendKey customer service support that the additional fund was to ensure that any accrued interest was paid off.

1. My first concern is that all interest and payments on student loans are paused thru XX/XX/XXXX. Therefore there was no need for Lendkey to make this overpayment amount of {$5300.00}.

COVID-19 Loan Payment Pause and 0 % Interest In response to the COVID-19 emergency, we paused loan payments and set interest rates to 0 % for eligible federal student loans. On this page, you can find out if your loans are eligible and how this relief affects your loans. 

Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program, or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart. 

COVID-19 Emergency Relief and XXXX XXXX XXXX XXXX. The additional {$5300.00} was applied directly to the principal balance ; no funds were transferred to me to fund the loan consolidation for the overpayment. 

3. I applied for forbearance in which {$530000.00} overpayment funds were not credited as ( 3 ) payments to my new consolidation loan payment, for which my standard payment amount is {$1700.00}.

4. Lendkey refused to approve my forbearance application because they stated I must make a minimum of 6 payments, in which I was not given credit for the {$5600.00} amount, which would equate to ( XXXX ) standard payments plus the payments I made on the account for the following months of XXXX, XXXX, XXXX, XXXX, and XXXX. 

5. Lendkey essentially added {$5300.00} to my loan consolidation and did not provide me payment credit for the amount applied to the principal balance in which there was no additional accused interest because all Federal Student loan payments and interest are suspended thru 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 2022-12-01 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: OK

Complaint narrative:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} BANK XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.

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 2022-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance acct # XXXX vin # XXXX, acct # XXXX vin # XXXX, Capital One Auto Finance violated my consumer rights by : failing to furnish all required proper disclosures ; failing to include the sum of ALL charges to the finance charge ; failing to allow me the right to rescind with a " No Cooling Off '' period ; failing to correct billing errors ; sharing my personal and private information to third parties without my expressed written consent ; falsely representing the amount of the alleged debt ; falsely representing details of the alleged debt to third parties ; not disclosing all required information and disclosures ; not clearly and conspicuously disclosing my consumer rights regarding the financing, finance charge and/or any details involving the financing charge ; willingly and intentionally withholding information from me, the consumer, in an attempt to defraud and/or misinform me ; repossessing the vehicle vin XXXX and knowing that the alleged debt amount and account accuracy was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. 

On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. 

On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. 

That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. 

Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. 

Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
We purchased a vehicle and financed in XXXX, XX/XX/XXXX, in XX/XX/XXXX we moved to XXXX. 

We contacted XXXX in XX/XX/XXXX to change the address and request the title be transferred to XXXX so we could register and get the license plates on the vehicle. We followed the instructions as required. We were asked to wait XXXX to XXXX weeks for the process to be completed. 

We followed up in XXXX weeks and we were told there was a problem with the names on the title ( spelling ) and the XXXX  dealership had been contacted to request a replacement title. 

Called back a week later, told it was resolved and XXXX title would be processed by end of week. Requested to call back if no update in a week. 

Called back, told that the title could not be processed because name was wrong on title. There was a space in the middle of my wifes middle name I called the dealership in XXXX  and they check the State of XXXX system and was told the title was perfect. 

Called XXXX back and filed a corporate complaint. Was assigned a Customer Agent. First call was great. Took all the information and promised a resolution. She called back a week later and told us the problem was both my name and my wifes name was on the title. One had to be removed. Silliest thing Ive ever heard. 

She said this would resolve the issue. Wait a week and it would be taken care of So waited a week. Now we call and leave messages ( 4 times over a week ) and no return calls. 

We need help as we are soon not going to be able to drive the vehicle as its registration will be expired.

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 2022-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I filed a complaint XXXX of this year. After waiting almost 3 weeks longer than I was promised, I received my check without my name on it. Only my business name. I took the check to the cash checking place near my home because they offer to cash business checks. I bring in all my paperwork and verify everything. The woman working there is required to call the bank and verify the check. She couldnt do that because TD bank decided to do exactly the opposite of what they said would be done. My account is still frozen so the customer service rep on the phone for TD Bank told her do not cash the check. I attempted to do an ATM deposit at my local XXXX XXXX where i bank personally. The atm took my check but then sent me a notice that the check looks fake and to request another from the business that provided it. I have called the number provided from the first complaint time and time again with no answer or response to my voicemails. This is pathetic. It has been over a year and my money continues to be tampered with and now theres no response from the bank at all. This is disgusting and the establishment should be embarrassed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-12-01 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: DC

Complaint narrative:
XXXX XXXX XXXX placed a note on my TransUnion credit report on XX/XX/2022 stating that an account was opened XX/XX/2022, that there is an open balance of {$880.00}, and that it has been placed for collections. The original creditor is stated as being XXXX XXXX. This is not my debt. It is not listed on any other credit report and I have no idea what it is referring to. I did not enter into any new credit agreements or services in XX/XX/2022. Due to security breaches in the past, I am alerted to whenever a new report appears on my credit. As soon as I was notified of this false report, I initiated an online dispute per TransUnion instructions. TransUnion failed to properly investigate this debt and simply sent me an emailed report finding the debt valid. I am unable to contest the debt with the creditor, myself, as there is not enough information for me to find them. I have attached a screenshot of the report, which is my only documentation. Again, this is not my debt. 

I have also done some online research, and XXXX XXXX XXXX seems to have a pattern of putting fraudulent reports on people 's credit reports and when people are desperate to buy a house or car, they squeeze the people to pay the debt even though it is not theirs. This is definitely not my debt. XXXX XXXX XXXX should also be investigated. However, TransUnion should know that a report by this company is not valid.

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 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AMERICAN EXPRESS have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. of AMERICAN EXPRESS XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Respondent / XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic XXXX  Month XXXX CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXXXXXX XXXX disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this bs with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX  from AMERICAN EXPRESS, according to 15usc1681b. I Did not give AMERICAN EXPRESS the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. Kindly govern yourself accordingly. Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to these fraudulent investment company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: IL

Complaint narrative:
YOUR RESPONSE HAS TAKEN MORE THAN 30 DAYS DELETE ACCOUNTS AT ONCE. Please Follow Suit and remove the following accounts from my credit report ASAP. If you fail to due so you will be breaking the FCRA rules and laws. In this complaint I will attach a follow suit letter. Proof of XXXX deletions, and the original letter which you failed to respond to within 30 day time period will be all be attached to this complaint. As a result you guys must delete these accounts due to privacy consumer rights at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNT HAVE BEEN REMOVED FROM OTHER BUREAUS PLEASE REMOVE AT ONCE.

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