vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I requested a term based repayment plan on XX/XX/2023. I received an email stating they received my request and would respond in XXXX days. I never received a response. I resubmitted it again on XX/XX/XXXX. Never received a response. I tried to call them and was on hold for an hour and a half before hanging up. I emailed them and got an automatic reply stating they had too many emails and couldn't respond. I tried calling multiple times over the next several days and was on hold for hours. Due to my job, i had to keep hanging up and could not stay on hold. Eventually after numerous attempts and sitting on hold for XXXX hours, i finally was able to speak with someone. I was told my account would automatically be put into administrative forbearance since they had not had time to look at my repayment plan request. They said it was taking approximately 30 days to look at requests instead of the initial XXXX days i was told. It has now been almost 60 days, my account is not in administrative forbearance and it is saying my account is past due. It is asking me to pay {$930.00} instead of the {$170.00} i was told my payments would be with the repayment plan. I still can not get a hold of anyone on the phone, currently trying to reach them and have been on hold for XXXX hour and XXXX min. They lied to me about putting my account into forbearance. It seems like they are refusing to accept anyone 's repayment plan requests and refusing to actually speak with anyone either. This has been the worst experience ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Spoke with Chase Bank they have put a stop on the application submitted and is in process of sending forms to report the fraud. I have notified the Credit Bureau and am requesting a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
Re : Cease and Desist Letter Pursuant to 15 USC Dear Santander I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. 

I hereby request that you : XXXX. Cease any further use of my signature, personal information, or Social Security XXXX in any contracts, agreements, or transactions. 

XXXX. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question. 

XXXX. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation. 

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc.
State: LA

Complaint narrative:
I took an advance from Grid months ago. Once it was repaid, I wanted to delete my entire account with them. This was in XX/XX/2023. They do not allow you to delete your information from their mobile applications or from your online account profile. I was told that they had to do it from their end. Today, XX/XX/2023, they have again charged me {$10.00} for a " membership fee '' that I did not want ... which showed me that they didn't delete my banking information from their databases. 

These people are a scam. They will continue to charge you even after you have cancelled your " membership '' with them. Do NOT get involved with them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Request for Assistance with Unresponsive Lender - Experian # Your dispute report number XXXX Dear Consumer Financial Protection Bureau XXXX CFPB ) Team, I hope this message finds you well. I am writing to seek your assistance and intervention in a matter concerning my lender, XXXX XXXX, and their refusal to respond to my attempts to resolve an outstanding credit issue. 

My name is XXXX XXXX, and my Experian dispute XXXX I have been diligently attempting to communicate with XXXX XXXX XXXX an outstanding credit issue that has been affecting my financial situation. Despite my repeated efforts, I have encountered extreme difficulty in reaching them and securing the necessary assistance. 

Specifically, I have been leaving voice messages with the XXXX XXXX Department at [ XXXX XXXX ], as this department is designated to help borrowers in situations similar to mine. Unfortunately, my numerous voice messages have gone unanswered, and I have not received any acknowledgment or response from XXXX XXXX. 

I would like to emphasize that my intent is not to avoid resolving my financial obligations but rather to engage in a constructive dialogue with XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX FL to reach a mutually agreeable solution. However, their lack of communication is hindering my ability to address this matter effectively. 

Given the urgency of my situation, I kindly request your intervention and support in facilitating communication between me and [ XXXX XXXX ]. Your involvement would greatly assist in resolving this matter promptly and fairly. I am eager to work towards a resolution and fulfill my financial obligations. 

Please find attached any relevant documentation related to my outstanding credit issue for your reference. 

I am grateful for your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your time and assistance in helping me resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX mortgage Loan # XXXX Owner Acct # XXXX Contract # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX United States Account # XXXX Offer Code : XXXX XXXX Nights XXXX XXXX accommodations Complimentary Extra Night For Sun-Tue Arrival QTY : XXXX {$100.00} Dining Dough Reward Card QTY : XXXX XXXX XXXX Getaway {$100.00} Dep QTY : 1 XXXX XXXX XXXX XXXX Certificate Or XXXX XXXX Certificate

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report maintained by XXXX XXXX XXXX XXXX, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of two accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by 15 U.S.C. 1681c-2, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account XXXX 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XXXX, because of these numerous inconsistencies they have furnished on my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have a prior complaint against Cerulean about my credit protrction. I was previously told that my credit protection stsrted XXXX of this year, and it ends XX/XX/. Today I get a message saying a payment is due today. I called Cerulean and they confirmed I have credit protection on our recirded call XXXX  but yet they changed me late fees XXXX through XXXX... yet no one will waive these late fees. IT'S BEEN CONTINUOUS ISSUES WITH THIS COMPANY. LATE FEES NEED TO BE WAIVED IMMEDIATELY AND PROPERLY REPORTED TO THE BEAURUS. IN THE RESPONSE TO THIS COMPLAINT I NEED A ACCURATE DATE OF WHEN MY CREDIT PROTECTION ENDS.I NEED TO ALSO VERIFY PAYMENTS HAS BEEN MADE ON MY ACCOUNT WHILE I HAD CREDIT PROTECTION.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 I made a payment to my USAA Credit Card from my Chase Checking Account in the amount of {$1000.00}. USAA puled that money from my Chase Checking Account on XX/XX/2023 and never applied to my USAA Credit Card. When I asked for USAA to either apply the money to my credit card or give it back ; USAA said that they investigated the issue and determined that they didnt do anything wrong. I have the XXXX XXXX of my dealings with USAA as well as statements showing that they did in fact took {$1000.00} from me. I need help in getting my money back. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
XXXX XXXX XXXXXXXX With TransUnion, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX Transunion, XXXX, and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX and XXXX XXXX XXXXXXXX Transunion, XXXX and 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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