vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: DC

Complaint narrative:
Since XXXX, I was employed part-time by the federal government. I have asked Selene Finance to assist me with loan modification programs. My last modification was for XX/XX/XXXX and my remaining balance is {$300000.00}. They offered me 5 % and a 3 month trial payment of {$2200.00}. I lost my job XX/XX/XXXX and I have not found one, but I am marketable. 

I spoke with them when I realized that I was unemployed and told them on XX/XX/XXXX, that I was unemployed and was actively seeking employment. I have also asked them on several occasions if I could make my original payment of {$1500.00}. Some of the representatives I spoke with told me NOT to send in the old payments as they would be sent back. I spoke with another person who told me too send in the payments and they would be credited. I did that. Now they said I no longer qualify for a modification and that I can lose my home in foreclosure or short sale. I have equity so I could sell, but I have no place to live. I received a letter from them denying me a loan modification. What am I supposed to do? I have a basement that floods and I have spent countless dollars on fixing that and now the insurance company said that the house has a foundation issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CURO Intermediate Holdings
State: MO

Complaint narrative:
For the 20th time, I would like for Ad astra recovery to explain how I owe them money, in the last complaint, they said " They are a third party debt collector '', which means they bought the debt, so again please explain how I owe you money? 
Ad astra recovery has not provided any business or services to me, so to say I owe you money is FRAUD, If I hire a credit repair service, this would be removed, I am in the process of reporting Ad astra recovery and the credit bureaus to OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: GA

Complaint narrative:
I submitted a CFPB complaint against Equifax about an account reporting incorrectly on my consumer report, XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022, Equifax responded back stating, " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' As of XX/XX/2022, I have not received the results of the investigation from the furnisher or anything from Equifax. Please send information to the address on file with Equifax or remove this account from my consumer report if Equifax can not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. 
I open a checking account with this bank. Before they were called BBVA COMPASS BANK. 
I closed my checking account with this bank early this year XXXX 
When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. 
When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. 
After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. 
After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. 

The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. 
This bank is located at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft and want to remove the following charges XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is 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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm its a company that I am complaining about I had gotten a loan for XXXX For an airplane ticket for myself to XXXX  after we purchase a ticket got on the plane we got an email and the price was completely opposite from what I agreed to an increase to {$4500.00}. I called made a complaint to the company and they said that they were very sorry that they would correct the situation. I have went through four investigations in which the company said that there was a glitch and that they would fix it and each and every time they have not and I go back to square with no resolution.The Company continued to apologize and said that it wasnt their fault that I needed to call the airlines call the airlines and then redirected me back to Affirm and told me it was their fault that they had no control over the situation. I have been fighting this amount since the company has done nothing to fix the situation and said that its not their problem and theyre still trying to charge me this debt. Additionally I did not agree to the {$4500.00} for a ticket. Another problem is that there was a purchase that I had made through this company prior to the tickets of {$1000.00} for a XXXX machine I canceled this order and was able to confirm that the company XXXX refunded my money back to Affirm but a firm is refusing to give me a a refund stating that its under investigation since XX/XX/2021. Im very frustrated Im in college and I can not afford to just continue to have this company steal my money from me and change cost etc. I am so frustrated and Im hoping that you could please help me because Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received an email purportedly from Synchrony Bank concerning a XXXX ( retailer ) credit card for which I was already accepted. Unfortunately, I am still recovering from COVID and am susceptible to bouts of confusion. Even though the email was in my Junk folder, I opened it and saw it was a link to get info about my card application. I selected the link, and on the website, which was too simple looking for bank business, I entered the last four digits of my SSAN, my ZIP code and my date of birth. At that point the site said the info was not valid and that I should try again. Only then did I realize what I had done. The web site address is " XXXXs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and I have attached the email. I doubt that XXXX or Synchrony bank are involved but someone is getting information about credit requests to them. I will request a credit lock immediately to prevent anyone from requesting new credit in my name. Other than that I am not sure what to do. I can only wait for these COVID symptoms to clear so I can start thinking clearly again. Thanks for your time.

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 2022-05-19 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
When I purchased the vehicle XX/XX/XXXX I originally financed it through XXXX XXXX. On XX/XX/XXXX, Capital One refinanced the loan and paid off XXXX XXXX. XXXX XXXX immediately sent the Lien Release letter to Capital One as the new security interest holder. Capital One has since sat on the title paperwork, and as of today XX/XX/XXXX still not send the paperwork to the Oregon DMV so the DMV can process my title and send me the registration and plates so I can drive my vehicle without a temporary trip permit. Oregon DMV granted me a 90 day trip permit back on XX/XX/XXXX so that I could drive my vehicle while they awaited the paperwork from Capital One including the Lien Release letter from XXXX. On XX/XX/XXXX I received a letter from the Oregon DMV stating that they were still awaiting the lien release so they could finish processing my title and registration. I immediately contacted Capital One who confirmed they had the lien release from XXXX, and would send the requested copy to the Oregon DMV. On XX/XX/XXXX, I followed up on the status of this request with Capital One, and was told that they had not yet sent the required document to Oregon DMV, but they had just sent the paperwork over to their mail room whom would process and send the paperwork via XXXX and email me a tracking number. As of today, since I had still not seen a tracking number via email, I again called Capital One to follow-up on the status. The representative again told me that it had not yet been sent, but that she showed that it was in the mail room, and confirmed I was still supposed to receive a tracking number once it is sent. I called and spoke to the Oregon DMV asking what I am to do once the current trip permit expires on XX/XX/XXXX since Capital One hasn't yet sent them the lien release, and since due to the COVID backlog, the process could still take a couple months once received, for me to finally get my registration and plates so I can drive without a trip permit. The Oregon DMV stated that they do not provide additional trip permits, and that I need to continue to hassle Capital One to do their job and get them the paperwork that they should have already sent months ago when the lien release was originally received by Capital One from XXXX XXXX. Capital One is now causing me undue hardship and stress in having to take time out of work to call them continuously to make sure they're doing their job. Please help make them do their job and get the paperwork to the Oregon DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to save my home for the past 6 months now with PHH Mortgage. They have refused to review my account for a modification. I have been sending in documentation including Bank Statements, Pay Stubs, Tax returns, Letters of explanations, etc for SIX MONTHS. I have never been able to speak with my Account Manager, and neither has my 3rd party representative. I want it to be known that this company is discriminating against me due to my native language, which is XXXX All of the documents I signed when I bought my home are in XXXX. My bank account statements are in XXXX, because that is what I read and write. PHH is now saying that they need me to send in my bank statements in English. They are trying to tell me that there is not 1 XXXX  speaker in the entirety of the PHH Mortgage corporation. How am I supposed to get anywhere with keeping my home if there is not someone who can communicate with me or that I can communicate with on behalf of my home. If this information was relayed to me when [ purchasing my home, I would never have chosen PHH as my servicer. As a XXXX man in XXXX, I have been rejected help regarding my mortgage because this company refuses to review me for a modification based on my XXXX and XXXX. I would like to be reviewed for a modification right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX agreed to defer 2 payments on my account with them on two separate occasions. Once in XXXX of XXXX and again in XX/XX/XXXX with no negative credit reporting. This I find out is false, they agreed to the deferments both times and fixed their mistakes once. I contacted them today and was told even though they deferred the payments that they were going to report those payments as late due to their processing times of the deferments. This is totally unfair, why bother filing for an deferment of your payments if the company is going to report a payment or payments late anyway? I also sent them a copy of my wife 's Death Certificate to have my account changed from Joint account to individual account as of XX/XX/XXXX, since my wife passed away XX/XX/XXXX, my account still shows joint account which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
In response to many complaints that I have submitted against Discover. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

This is a follow up to cfpb complaint # XXXX XXXX of the XXXX Office of XXXX XXXX stated After further review, we maintain that we are accurately reporting the past due history for your account to the credit bureau reporting agencies, and are unable to honor your request to remove or alter the credit history previously reported. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. 

Discover told me that they couldnt remove the late payments because it was accurate. I I am aware nothing under the FCRA REQUIRES a creditor to report negative information. That late payment is being furnished without my lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ).

The creditor knowingly reporting inaccurate information to a consumer reporting agency is in violation of 15 USC 6821 ( A ) ( 2 ) and that leads to jail.

Also, how can I be late when a finance charge was involved? So am I late paying myself back?

Clarify this billing error!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: MD

Complaint narrative:
XXXX XXXX has a loan listed on my credit reports with XXXX and Transunion ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.

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