vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
Sent letter to Equifax received XX/XX/21 regarding bankruptcy reporting in there files and requested method of verification and Equifax responded on XX/XX/21 with file # XXXX stated bankruptcy was verified by XXXX. Appalled by this, I contacted XXXX directly to verify the bankruptcy and during there investigation, they couldn't verify the information and as of XX/XX/21 have deleted and removed the inaccurate unverified information from there file. I sent those results of the investigation by XXXX that the bankruptcy was unverified and inaccurate and remove the information from there files. Sent those results to Equifax received on XX/XX/21 and responded with file # XXXX still referencing the bankruptcy and again on XX/XX/21 with file # XXXX stating the bankruptcy was VERIFIED as accurate. How can Equifax verify that report that the data furnisher has removed from there file since XX/XX/21? Anything verified after XX/XX/21 show come back unverified and should be deleted from there file. Either Equifax lied about verifying the bankruptcy or never sent the request to XXXX to verify the bankruptcy was unverified and inaccurate, and has been removed from there files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an AMEX Hilton honor aspire card ending XXXX, with a " Earn {$20.00} back each month after you spend $ XXXX on U.S. dining '' AMEX offer added to my card. I spent {$25.00} on XXXX  XXXX at XXXX XXXX  with my card for my friend 's family. I don't know why it shows as XXXX on your website, but it is ordered on XXXX XXXX. I have attached the receipt for your review. I called AMEX customer service and been told I should get my {$20.00} back on my card, but right now almost 3 months I have still not seen the credit. Please check the receipt from XXXX XXXX   I attached. Please refund the {$20.00} credit to my card. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am disputing the items listed below in Sections 1 10 of the Lexis Nexis Consumer Report. I am respectfully requesting that Lexis Nexius remove these entries from my consumer report, as they are either not me, time-barred, or not associated with any of my active accounts or credit inquiries made within the last 10 years. I have attached legal documents, ranging from XXXX, that shows the name and address that belongs to me. Included are the following documents : GA drivers license, I.R.S., State of Georgia Dept of Revenue, SS #, bank, insurance, bankruptcy court paper, employment XXXX, auto purchase contracts, student loan, property tax and assessment, XXXX car note, and 2 rent-to-own agreements. The cars and furniture rental agreements are the ONLY purchases that I have made within the last 10 years where a credit check was performed. Lexis Nexis list 71 names/addresses records in my report ; of the 71 only 2 records are accurate records 50 and 59. I have lived at my current address, listed above, for the past 18 years ( XXXX ) ; it should be the only address listed in your report. In addition, my name is listed SO MANY different ways in your report, names that I have NEVER used, names that do NOT belong to me. The same thing with the addresses, your report lists my childhood address from XXXX, I was XXXX XXXX XXXX ( A MINOR CHILD ) living in my fathers house. The duplication and inaccuracy of your reporting makes the report very confusing and almost impossible to review. Most of the records DOES NOT contain a SS # or date of birth I was wondering how XXXX XXXX determined they belonged to me? The report lists 40 inquiries from XXXX XXXX XXXX ; 30 of the records contain dates and 10 records do not. I contacted XXXX XXXX XXXX at XXXX and spoke with the Underwriting Dept and asked them why they inquiry so many times. I spoke with a rep named XXXX, who confirmed that in the past year, XXXX XXXX XXXX has only inquired 4 times and that was on my renewal dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I realize that these are soft inquiries that I only see ; however, I would like them removed as they are inaccurate, and XXXX XXXX XXXX  DID NOT make them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Affirm Holdings, Inc
State: DC

Complaint narrative:
I purchased a XXXX  treadmill on XX/XX/XXXX for {$4900.00} and I financed the purchase with Affirm 's buy now pay later product offering via loan ID XXXX. In XXXX, I learned that it would not be delivered when promised and I cancelled the purchase and delivery and was told I would have a full refund. Thereafter, Affirm attempted to collect {$14.00} from me. I disputed this amount with them, given that I never received delivery. They refused to discuss this with me and ultimately recommended that I make payment because they have no way to validate the debt since it is reported to them from XXXX. I paid the amount ultimately on XX/XX/XXXX and they have reported a 90 day delinquency on my credit report, dropping my credit thereby by over XXXX points for a debt I DID NOT OWE. They are not able to provide me any statement or proof of the debt and XXXX tells me I have to dispute the debt with Affirm. In Affirm 's email to me about my dispute, they stated " We worked with the credit bureau to minimize the impact to your credit report from delinquent payments. '' -- what does that even mean, and how can that be true when a {$14.00} late/disputed payment has dropped my credit so substantially?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
in XXXX I refinanced my home with a XXXX XXXX XXXX. The mortgage crisis hit in XXXX and I had to file bankruptcy. The neg am loan kept adding to the original balance and ballooned to over XXXX. After I got back on my feet around XXXX the bank agreed to a modification that would " set aside '' XXXX of my balance while I paid {$2200.00} per month at a fixed rate of 5 % for 30 years. However very little if anything was going toward principle. I paid on this loan for 8-9 years until Covid hit in XXXX and I was sent a letter stating I was approved for a new modification ( that did not ask for ) where I would continue to pay roughly {$2200.00} per month. However I would owe a balloon of {$170000.00} additional dollars after the 30 years! I had been working on getting all this time on getting some type of relief but was getting nowhere. My servicing Company Select Portfolio Servicing would not even tell me who held the note. I finally found out the note holder is XXXX XXXX. I hired an attorney to look into my documents because I was always told when I shared my story that it did not make sense. I finally received copies of my modification and the chain of title regarding my loan. The attorney I hired stated that the chain of title did not look correct. However, since he did not practice law in CA he could not pursue anything.I have paid close to XXXX in the last 8-9 years and still in worse shape than I was in XXXX with this bank not willing to work with modifying this loan. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
Since XX/XX/2021 Ive been trying to get a hold of the credit bureau to remove fraudulent items I have also filed a police report as well as the FTC report and filled out identity theft affidavit which is notarized as well still to this day XXXX have not yet to receive any results from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/2021 approx XXXX ( PST XXXX went online at XXXX to obtain credit report from Equifax. Went thru all the steps of verifciation, supplying SS # and answering security questions, the website then said Unable to send online credit report. Must fill out form to request a paper copy, please send copy of SS # and verification of address. 

Equifax continues to be problematic in participating in the free annual report program. 
Why did it ask for all the security info and SS # ; which is already a risk for the consumer and then say it can not supply online report.? No consumer that is checking their credit report to ensure there is no incorrect info and/or to prevent fraudulent behavior will want to willingly send a copy of their SS # and verification of address in the postal service mail. 

Equifax is not following the federal mandate to provide a free annual credit report via online request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime closed my account without warning and took the money that was in my account. I had {$800.00} in savings when they closed my account. It has been a month and still no more eye has been sent back to me. I never received a reason or a letter from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports. 
Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KS

Complaint narrative:
We leased our XXXX XXXX XXXX on XX/XX/XXXX. We included a maintenance agreement in the terms of our lease for {$750.00}. Shortly thereafter, we moved across town, making it very inconvenient to return to XXXX XXXXXXXX in XXXX to obtain the service provided for in the maintenance agreement. Accordingly, I cancelled the maintenance agreement on XX/XX/XXXX. 

XXXX XXXXXXXX financing personnel explained to me that the remaining balance on the maintenance agreement would be applied to unpaid lease payments which would result in paying off the lease agreement earlier than originally scheduled. 

I have received no indication from either XXXX XXXXXXXX or XXXX XXXX XXXX regarding the new date by which the lease agreement would be paid off, so I am requesting that information now. 

Today, I am making my fourth request for this information. I have explained to Hyundai XXXX XXXX that I will be withholding further payments until I have received this information.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 a sent letters regarding inaccurate and unknown items on my credit report. To this day 35 days later i have not received a response. I feel like I am be take advantage of and being ignored by my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
DIVERSIFIED ADJUSTMENT IS REPORTING TO THE 3 CREDIT BUREAUS AN ACCOUNT THAT DOES NOT BELONG TO ME XX/XX/2020 ITS REPORTING AND PREVIOUS UPDATED ON CR AS VERIFIED. PLEASE REMOVE ACCOUNT ITS NOT MINE. letters have been sent out to company previous to this with no resolution other then to verify information and for it to stay on my reports. No balance is reporting

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received an email from bank saying my card was linked to a XXXX pay account when I do not have one. 

Chase bank called due to fraudulent charges and sent new card. They were concerned about identity theft, so they told me to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted Capital One on XX/XX/2021 and notified them of the 980 violations of my rights as a consumer when communicating with me via telephone, email, and standard mail pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( e ), ( f ), ( g ), ( h ), and ( k ). I sent them an Affidavit of Truth, Cease & Desist, and an invoice for them to pay for violating my rights 980 times. I also notified them of the fact pursuant to 15 USC 1692 g ( c ) that my paying on a fraudulent " debt '' before knowing my rights as a CONSUMER does and did not validate the debt or the fraudulent contract that is now null and void due to being established under false and misleading representations pursuant to 15 USC 1692 e. I provided Capital One with an invoice pursuant to 15 USC 1692 k that states each violation is considered actual damages and worthy of {$1000.00} per violation. That's {$980000.00} in violations alone. Now, before sending off this recent packet of documents, I sent them a Validation of Debt letter and they responded without providing an original agreement and could not produce a page with a wet signature, which is a violation of my rights and fraud. Additionally, I notified them of the fact that they were violating my rights pursuant to the FCRA by reporting this account to the credit bureaus without my express written consent. pursuant to 15 USC 1681 b ( 2 ). I demanded they remove my information from any 3rd party sites, companies, and credit bureas unless I expressly consent in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: DC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I XXXX provide for my wife and children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose and 15 USC 1692. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX  Date Opened : XX/XX/XXXX Amount : {$110.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX XXXX  did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago. 

I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.

Company response to consumer: Closed with explanation