vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
The company referred to as Affirm, was present as a delinquent debt on my credit report in which they wrote off and was not in collections. I contacted this company repeatedly offering to pay said debt as I was unaware of even the stoppage of automatic payments in which were set in place. I contacted them through challenging said remarks on credit via dispute on credit report. They, today responded via credit report that they are now not forgiven and has been provided to a lawyer to pursuit legal action. I voluntarily made this inquiry with remarks that told the company I wanted to pay and make this right due to my unaware of status. Now they negatively impact my credit by stating I am in collections when I attempted to do the right thing. Not one call or email nothing was done in order to ask for payment. Now they are holding up an emergency loan because of their recent comments due to my pursuit of paying them. This has dropped my credit over 74 points and now instead of being written off, they hit my credit and threaten me only because I reached out to them to pay said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I deposited {$5000.00} cash @ TD Bank ATM, XXXX XXXX XXXX XXXX MA XXXX, on XXXX XXXX ATM took the money but did not give me the receipt or the credit to my Account. I call the customer service number and waited one hour, but no one picked up the phone. At the time of deposit, the ATM did not function for about 1/2 hours, and someone came in to fix the ATM. I also spoke to that person and advised cash is there, and I will get credit on Monday when the store rep balances the ATM. I went to the branch on Monday, and the representative suggested filling out the dispute form, I also called the branch and call center the same day and advised the process being followed, and there is no one can do anything. It is truly frustrating and disappointing to know that a customer lost {$5000.00}, and finding takes seven days. This should have been straightforward research if one took ownership of the issue, cared about customer money, and tried to find out what happened instead of pushing the work to the process. 

Please review/research or do something and immediately provide the credit to my Account!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed an account and a few inquiries on my report I do not recognize

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 2021-08-07 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 noticed an account and a few inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
I need help getting my lender to stop my foreclosure and allow me some time to settle my loan. I fell behind on my payments about 4 years ago after my husband left me with. He was the only source of income I had. I did not have a job at the time and I have struggled ever since to keep up with all of my bills, not just my mortgage. I can barely keep food in my refrigerator some months and I've had to ask for money from my adult children just to get by. If my home forecloses, it would leave me with nothing, I won't even be able to rent a home if something like that were to go against my already poor credit. I am working on a short sale with the mortgage servicer and someone has made an offer on the home but the lender does not want to give me enough time to get through the process. I spent years not knowing what to do with this burden and I feel like now that I am actually trying to rectify this, PHH does not want to give me any grace. I am pleading for extra time to work through this, I have sent all of the documents required of me for the short sale and just need an extra month or two. My home foreclosing would add insult to injury at a time like this for me. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I was wrongfully evicted, I assumed the responsibility when my wages were garnished. For a little over a year I was garnished, the garnishment was paid in full. I have documents from my employer stating this. I called the National Credit System ( XXXX ) XXXX to inquire about the {$380.00} that is still on my credit. They could not tell me why I still have a balance even after my garnishment was paid in full. I have disputed this with XXXX, I submitted my documents of proof to them and they refuse to remove it from my credit. Please help me with this matter so I can move my children into a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Colony Brands, Inc.
State: DE

Complaint narrative:
XXXX XXXX said I had made purchases. Was not my address not my email or phone number. To get it removed the said if I paid it they would remove derogatory remarks from my report. I filed disputes with all credit reporting agencies. They said its accurate. I called XXXX XXXX again. I said you said if o paid this you would remove from my credit report as a paid after charge off. They said no you shouldnt have paid it but since you did we are leaving it as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
ACCORDING TO WELLS FARGO BANK ON XX/XX/2020 SOMEONE ORDERED AN ITEM ON XXXX WITH MY CREDIT CARD AND HAD IT SUCCESSFULLY SHIPPED TO MY HOUSE VIA XXXX. XXXX CLAIMS THEY RECEIVED MY SIGNATURE UPON DELIVERY, BUT THEY SENT ME A COPY OF THE SIGNATURE AND IT DOES NOT MATCH MY SIGNATURE. WELLS FARGO BANK PROVIDED ME WITH THE EMAIL THAT WAS USED TO MAKE THE ORDER AND IT DOES TO BELONG TO ME. WELLS FARGO BANK HAS NOT BEEN ABLE TO RESOLVE THIS DISPUTE AND THEY WANT ME TO PAY FOR THE CHARGES OF {$5400.00}. WHICH I WILL NOT DO BECAUSE I DID NOT MAKE THE PURCHASE/AUTHORIZED THE PURCHASE. I NEVER RECEIVED THE ITEM AND DO NOT HAVE POSSESSION OF THE ITEM AND HAVE NEVER HAD POSSESSION OF THEY ITEM.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: ND

Complaint narrative:
Ive been scammed through this thing called covid health care program. I was XXXX and gave them my bank information and sent money through cash app. I also gave my social security number. I want my money back and I dont know if Ill get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion refused to help me with removing these hard inquiries thats not mine.under the FCRA they are supposed to help and make sure it is accurate. These inquiries do not belong to me and is hurting my ability to purchase a home and get funding. I have contacted them numerous times and they refuse to help and keep me on hold for hours each time. They was very hard to under stand and three reps refused to let me speak with a supervisor. The inquiries are listed below. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX

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 2021-08-07 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: DISCOVER BANK
State: TX

Complaint narrative:
I took Discover card offer for {$45.00} credit for making a {$45.00} purchase at XXXXXXXX XXXX XXXXXXXX. I did it and made a purchase of {$45.00} XX/XX/21. I contacted them and they confirmed to me I did what required and I will get the credit in due course. I contact them again in XXXX, as I did not receive it. I was confirmed again I will get the credit early XXXX, I did not receive then told me by end of XXXX billing cycle, I contacted them Today XX/XX/21, Discard agent told me I am not qualified for the promotion and said to me they got a comment from XXXXXXXX XXXX XXXX that I am not qualified, because I was a existing customer but I am not. The fact is I spent the # XXXX to pay for the membership fee. Discovery card asked me to contact XXXX XXXX  and gave to me XXXX XXXX customer services numbers. I called XXXXXXXX XXXX customer services and they told me they have no knowledge of what is going on with Discovery card. 
THE BOTTOM LINE IS I TOOK THE PROMOTION FROM DISCOVER CARD NOT FROM XXXX XXXX XXXX AND DISCOVER CARD CONFIRMED AND RE-COMFIRMED TO ME I AM QUAILIFIED FOR THE PORMOTION. SO THEY NEED TO KEEP THEIR PROMISE OR THEY NEED TO CONTACT XXXX XXXX CARD TO GET IT RESOLVED NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof.

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 2021-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
The company started calling on XX/XX/XXXX. It is a robocall. I called the number to inform them that this is a business line, but the representative hung up. The company continues to call almost daily and will not say the name of the person they are trying to reach. This is a business line and I don't owe any debt so I know they are not trying to reach me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( November 19, 2009 ) ( quoting XXXX XXXX XXXX XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX  # XXXX

Company 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 2021-08-07 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/XXXX I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Debt Buyer Sentenced For Fraud Conviction, Collections & Credit Risk ( XX/XX/XXXX ) ( quoting XXXX XXXX of XXXX XXXX XXXX ). Other problems have included debtors settling with one creditor and then being sued by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ). These issues are discussed in length in XXXX XXXX, Representing Consumers in Litigation with Debt Buyers, ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX as part of a bankruptcy i reaffirmed my vehicle which was a XXXX XXXX XXXX. I made all payments for 7 years with no late payments. My son was the borrower and I was a co borrower. My son never filed bankruptcy, I was never notified that all evidence of my auto loan for the last 7 years would suddenly be wiped off my credit report. I was told that it was because it was affected by my bankruptcy, but it was not. The car was payed off in XXXX of XXXX and still was not told by anyone that my credit would be removed. A news station reported that millions of car, home and personal loans were being terminated by Wells Fargo and consumers have seen positive credit removed by them as well. This is not accurate or fair reporting of my credit history. Yes I filed bankruptcy but not on them and I am already being financially punished for ten years, however all my credit good and bad should be reported. You can better believe that if I had missed some payments it would have stayed on my report. All I am asking for is the credit I established, earned and payed for be accurately reported.

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 2021-08-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I'm having trouble paying my credit cards and they won't stop bothering me.. I told them I will pay when I can. I'm tired of getting harassed with different numbers everyday. Comenity bank is the ones harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: FL

Complaint narrative:
Dear, CFPB The 3 major credit bureaus - ( XXXX XXXX and Equifax. 
Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day. I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. 

I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately. 


Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 

FCR

A 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addres
ses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed.

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The consumer attempted to extend themselves credit through XXXX XXXX XXXX. On XX/XX/2021 the consumer was denied because of color violating 15 usc 1691. XXXX XXXX XXXX admitted that Equifax Information Services helped them come to that decision. I have never consented to Equifax Information Services sharing my information pursuant 15 usc 1681b ( a ) ( 2 ). This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, and whoever else it may concern including Equifax Information Services to cease and desist. If there is a inquiry or adverse action on the consumer report, block and delete it now or a criminal complaint will be filed.

Company response to consumer: Closed with explanation