vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
I was on a interest-only graduated repayment plan from approximately mid XXXX to late XXXX. At approximately mid-XXXX XXXX I received the billing for my XX/XX/XXXX payment and was told that my payment would be going from approximately {$190.00} to {$830.00} beginning XX/XX/XXXX. I thought it had to be a mistake as well I did not have the mental bandwidth to address the billing at that time and I thought I would call before the due date to get my payment adjusted since I knew I was on a graduated repayment plan. I called on XX/XX/XXXX and was told that the payment could not be adjusted, that the next step in the graduated plan included full principal and interest beginning XX/XX/XXXX. I explained that I am not working and hadn't been working all of XXXX but had been making interest payments which is what I could afford. I was told again that the payment could not be adjusted but to wait one week until the payment went past due to see if " the system '' would let the representatives make an adjustment. I did wait a week and called back and " the system '' wouldn't let an adjustment be made. This happened to be the very same day that Biden paused repayments on federal student loans. The representatives I spoke with were not sure why they couldn't make an adjusted payment schedule for me but were certain that their " system '' wouldn't allow it. I am writing because to go from a payment of {$190.00} to $ XXXXon a graduated repayment plan, particularly during a pandemic when federal student loans have been paused or otherwise very easy to make arrangements with is insane. To have my payment go up more than 400 % in the span of one month on a graduated payment plan is intended to put me and my family over the edge financially and otherwise ruin my credit. This will cause a severe hardship for us. This shouldn't be legal. I would like Sallie Mae to offer a reasonable graduated repayment option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I got my credit report and dispute letter result on XX/XX/XXXX, the account that Ive disputed ( 5 XXXX accounts ) its still showing in my report. It did show accounts are ''accurate and verified '. I contacted XXXX XXXX 2 months ago- No response. 2 months later, TRANSUNION is still telling me these accounts are verified. How did that happen? XXXX XXXX couldn't give me any proof. 

I already filed and submitted a dispute and was told I need to wait because it is still pending/under review. I called on XX/XX/XXXX, XXXX XXXX. On the phone your colleague told me if you dont hear anything from XXXX XXXX on/or before XX/XX/XXXX. These accounts should be deleted. I reported and submitted a claim through CFPB. On the phone, you told me youd delete these accounts if you dont hear anything from XXXX. How come its still showing in my report? 

I have it all recorded as well. I sent you a copy of my 4 disputed letters. Along with my new dispute letter.

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 2022-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX noticed NATIONWIDE RECOVERY SERVICES, a third party debt collector was infringing upon my intellectual property rights. XXXX illegally reported information on my consumer report. This is a direct violation of 15 USC 1681, I, the consumer never entered into a contract with XXXX, nor did I give them my written or express permission to furnish information on my consumer report. On XX/XX/2022, I sent XXXX a cease and desist letter, via certified mail, demanding they stop their wrongdoing and for them to send me an audit trail of this account. XXXX failed to respond to my demand of a debt validation letter pursuant to 15 USC 1692g. They stated I needed to send a written correspondence, and that's not what's written in 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone is using my name and address try to open multiple credit cards

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 2022-01-10 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received an email, XXXX XX/XX/2021, apparently from my Chase credit card, about a promotion offering a reward for use of the tap payment method. Please see attached copy of email. Within the next month, I used this payment method the allowed XXXX times. The promised bonus never appeared on my credit card statements. When I called Chase to ask about this, they claimed that there was no record of them having sent this email or offered this promotion. When I offered to send them a copy of the email as proof, they said they were not able to accept such emails. Thus, they refused to honor the promotion. 

If this actually was not their email, I deduced that there might be a third party engaged in phishing, and that this third party had accessed my Chase credit card account information. So I emailed the copy of the promotion email to the Chase phishing report email, but they never responded. 

The reward lost was only {$10.00}, and was not money that I had in the first place. But it will be difficult for me to have any confidence in Chase in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/2021 I initiated a wire transfer online from the XXXX to a beneficiary in XXXX. XXXX weeks later the amount has still not been received and Chase has provided no indication on how it will be resolved. I have reached out to Chase via multiple avenues, that is calling XXXX different departments by phone, online portal secure message system, and appearing in person at my local branch, and no party will take ownership over investigating the missing transfer. I have merely requested a SWIFT confirmation receipt to provide the beneficiary bank with tracking information or just the Unique End-to-End Transaction Reference ( XXXX ), which is standard information that all member banks performing international wire transfers through the SWIFT system should possess, but departments reachable by phone have pointed me only to an online portal, the online message portal directed me to the local bank branch, and the local bank branch refused and/or was unable to process this simple data request because I did not initiate the wire transfer at that bank. Further, the Chase Wire Transfer Department does not maintain a department reachable by phone ; therefore I must wait 1-2 business days to receive a response to my ongoing case. It is unacceptable that through over a week of my consistent attempts to gain more information, Chase has provided no answers or transparency, and made no attempts despite my daily requests to make resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX for Equifax, the XXXX for XXXX and the XXXX for XXXX by way of certified mail, these companies received letters regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the errors on my credit reports from either of the 3 credit reporting agencies. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me while I'm attempting to deal with my finances during COVID. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 60 days to receive a no respons because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 73 days soon so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Dividend Finance Inc.
State: CO

Complaint narrative:
I purchased a solar system from XXXX XXXX and Dividend Finance was the loan company. This company is a division of XXXX Bank. I was happy with the loan and the APR, and the paperwork for my loan explicitly states this loan is a secured loan ( backed by the panels themselves ), which makes a big difference vs an unsecured loan. Fast forward to a month ago when I took out a personal loan to finance some other expenses, and my lender for the personal loan flags this solar loan as an unsecured loan, which then eats into the amount I can borrow since personal loans are capped at 50 % of your annual income. I've been in contact with both Dividend and XXXX Bank, but so far the response has been lack luster. I am waiting to hear back, but at this point I am very frustrated that they changed this loan type without notifying me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have Reported fraudulent data ( hard inquiries ) on my credit report which the Company TRANSUNION refused to remove immediately.

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 2022-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to all 3 credit bureaus ( Experian, XXXX, XXXX ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.

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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: GA

Complaint narrative:
The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Flagship Credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-01-10 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
So I called capital one on XX/XX/XXXX to get clarity as to why my account was randomly closed on XX/XX/XXXX, and the dispute team, fraud department, and management could not give me a direct answer but what may have been a reason. My account is Closed and is hurting my credit score while I'm also being denied opportunities because I have false late payments with a closed account. I've been calling to get clarity and nobody cares to answer my question but they are continually reporting negative and inaccurate information to my credit profile which is causing defamation, violating my privacy while they are being negligent. Capital is failing to follow procedures to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017. 

If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports. 

If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: CO

Complaint narrative:
Premiere Credit consistently calls more than 5 times a day. I have asked them to limit the calls until after business hours ( after XXXX hours ) and to limit the number of calls. Also, this collector has attempted to contact me at work and has been asked numerous times to not contact me at my place of employment. I understand that I owe a debt and have attempted to reach out to this organization using their online services but for some reason online services doesnt seem to communicate with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/XXXX {$65000.00}. Inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation