vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
The Apple Card managed by Goldman Sachs continues to have issues with the payments process. They charged my account twice without my permission and drafted my checking account for two payments in one day. They refused to reverse the payment after escalating to a manager. They said that sometimes it double charges and it is not their fault.

This is after they did not keep their commitments of zero interest on the headphones I bought. After hours on the phone, no luck. I finally gave up and just paid for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On the XX/XX/2023 i made a car payment and I received a call on the XX/XX/2023 saying that my credit score was going to be charged off after explaining that im unemployed & i wont be able to make on time payments I explained my situation i make payments weekly for the value of a car which is {$2200.00} the dealership sold me the car for {$10000.00} the car was damaged & broken i called westlake financial for help they purposely put my car in repossessed hold because they cant help with servicing cars. I couldnt make the payments on time but they allow me to make late payments multiple times i have documents they transfer my account to a debt collector westlake financial theyve allowed me to make multiple late payments too their numbers is XXXX i was 24 days late on a payment and they repo the car. The car was broken down westlake financial as a debt collector couldnt provide any help so they put the car on a repossessed hold & XX/XX/2023 i made a payment missed 24 days they illegally repossessed the car as fraud theyve allowed me to make late payments countless times & theyve say ive missed certain days, weeks, & months but theyve still took the payments while i had the car on the XX/XX/2023 & they called on the XX/XX/2023 told them i was struggling with work Ill make a payment at the end of the month if i can. They repo the car in 24 days on XX/XX/2023 no warning, no call & no mail.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Hello Ive been dealing with Affirm loans and I made a dispute a few months ago with a loan that I canceled. I contacted the company that I used to loan on and was promised a full refund. I was missing XXXX dollars so I made a dispute with affirm two months go by and they havent done anything. So I issued a dispute with XXXX  to get my money back and they issued me a refund then I was notified by affirm that I owed XXXX dollars and that I was 30 days late so I paid off my loan on XX/XX/XXXX because I didnt want to deal with it anymore so I paid it off. XX/XX/XXXX comes by and I was marked delinquent by affirm for a loan that I fully paid off and they are denying me to dispute it for something that they couldnt take care off during dispute and took two months to even reply to my emails about my dispute and has now marked my XXXX report and dropped my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed a settled debt that says I owe a balance. I called the actual company and they say I don't have a balance because it was settled. I file a dispute with Equifax and send in a copy of the letter of the settlement. They reported the same as the result of not getting in touch with the company. I called spoke to a representative at Equifax and asked if the company didn't respond, why is this still reported the same or at all. I thought the company has to respond within 30 days with accurate information or if not it is removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Reference Number : XXXX I have been a CITIBANK credit card customer since 2021, I decided to open an ONLINE checking account for my new employer. Everything was perfect and right after my first deposit ( {$190.00} ) which the bank requires upon account opening, CITIBANK BLOCKED MY ACCOUNT AND THEN CITIBANK CLOSED THE BLOCKED ACCOUNT AFTER OPENING/DEPOSITS for no reason, holding my money and preventing me to withdraw it.

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 monetary relief
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me 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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past. 

On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
I am the XXXXXXXX XXXX of an XXXX. My fathert had a reverse mortgage on his home at in XXXX XXXXXXXX XXXX, being serviced by Carrington Mortgage Services. Upon his passing in XX/XX/XXXX  I contacted Carrington ( in XX/XX/XXXX  ) to find out what our option were. They told me that a 6 month extension was automatic, and interest would accrue at {$1100.00} per month as long as the property was for sale. As instructed, we installed a for sale sign and started showing the property to prospective buyers. We never received any additional information or communication from Carrington. During this deferment period, Carrington raised the monthly payments from {$1100.00} to {$1600.00} ( 47 % increase ). They also pushed the property into their foreclosure status in a scheme to add legal fees. First claiming they were not required to forward " sensitive '' documents to me, then later claiming it was because they didn't have proof of marketing, even though they sent a person out each month to photograph the for sale sign. 

At the end of the six month period, in XX/XX/2023, I called Carrington to find out what we could do. It was at that moment I was informed the property was referred to foreclosure and the monthly payments had been increased by 47 %. 

Either they misrepresented what the requirements were, or they knowingly withheld the specific details as part of a scheme to push the property into foreclosure to collect additional legal fees. 

At the very least, Carrington and its agents were deceptive in telling me the estate had 6 months @ {$1100.00} per month to sort everything out. That {$6600.00} expectation turned into a $ XXXX bill from Carrington at a time when our family was vulnerable and grieving. 

We were required rush out to obtain financing, resulting in a higher than normal origination fees and interest rates, all in the effort to keep Carrington from stealing our fathers house. 

This isn't right. We never even had a a real chance to dispute the charges. They just added all these fees on to the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received an alert from XXXX XXXX and XXXX XXXX that a new account had been opened on my credit report. I proceeded to call Macys and ask them to look into it and close the card. They checked into it and said I didnt have an account open but its still showing up on my credit report saying I do the {$200.00} limit Macys, Citibank , and a card. They refused to close the card out because they said they couldnt find one and its still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I recieved a phone call from XXXX. I researched the phone number and found it went to Amsher Collection Agency. I know I owe no funds to anyone so I called out of curiosity. I spoke to an unknown woman who immediately wanted the last 4 of my SSN and date of birth. I did not give it to her and basically called her out. She told me I was full of XXXX. I disconnected the call and called back with XXXX answering. Again she wanted the last 4 and DOB. I did not give it to her, requested to speak to a supervisor and XXXX came on the phone. He also wanted the last 4 of my SSN and DOB, again I did not give it to him. I informed him to cease and desist all further communications. I was hoping to actually get information on what this was regarding so I called again. I spoke with XXXX who wanted to the same information. I did not give it to her but informed her that I am knowledgeable about the FDCPA and she legally had to identify the name and address of the collection agency and who they represented. She told me not to tell her how to do her job. I informed her also to cease and desist. She then resorted to wanting my address. I gave her the numerical value of my house but not the street name. I provided all the town and city names I've live in for the past 30 years. She told me I was incorrect. I called one more time requesting to speak to a supervisor other than XXXX. I was transferred to XXXX again after more back and forth I told him to cease and desist any further communications. He said he would continue to call me. I disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX  savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).

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 2023-03-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX  XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX State of california XXXX XXXX XXXX XXXX, TAX LIEN Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors

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