vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: Affirm Holdings, Inc
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX I would like to file this complaint against affirm XXXX XXXX finance and clothing what happened during XXXX i lost my job due too i have XXXX i can't work i was in the hospital for longtime i'm unable to make payment to the acct i have with affirm because i have XXXX and i call affirm i told them i won't be able to make payment on my acct due too i have covid but i was owed to affirm about {$7800.00} dollars but the acct almost pay off anyway i still owed only {$2100.00} affirm refused to wait for me to make payment soon i find another job to start making payment again affirm charge-off the loan and reported to all three credit bureau trash my credit score from XXXX XXXX XXXX this is not right well i'm looking for some help from CFPB to make affirm remove my name from all three credit bureau i need to get my credit score back to XXXX affirm violated the law about the pandemic affected all the american people life but i still owed 2 years rent to my landlord but he follow the pandemic he doesn't even talk to me he complied the pandemic law but affirm refused to complied with the pandemic law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage servicer, Specialized Loan Servicing ( SLS ), approved me for a covid forbearance in XX/XX/XXXX due to loss of income. I received numerous extensions until XX/XX/XXXX when I was told they would not extend it again and I needed to make a lump sum payment to be current on my account. I explained that I did not have enough money to become current but was able to pay enough to be within the terms of their repayment plan. I spoke to a customer service agent named XXXX who processed the payments I made to be within the terms of the repayment plan and set up the repayment plan with me. He said I would need to make my regular mortgage payment amount every month in addition to an extra {$1000.00} from XX/XX/XXXX through XX/XX/XXXX. He assured me that since I had agreed to this workout plan that it would not be reported to the credit bureaus and I would not receive late fees. He set up the first three payments which were automatically deducted from my bank account the exact days we agreed to every month. He called me back at the beginning of XXXX to set up the remaining 3 payments which would be deducted at the end of XXXX, XXXX and XXXX of XXXX. I expressed concern to him over a letter I received from SLS stating my account was delinquent and he said that is automatically triggered but not to worry about it since I had done everything I agreed to and had made all of the workout payments on time. Yesterday I suddenly started receiving alerts from my XXXX account stating I had derogatory marks on my credit and my credit score fell XXXX points. This happened because SLS reported me as being 120 days past due and also is reporting that the full amount of my mortgage is also due. I called SLS first thing this morning and spoke to multiple people. They are refusing to fix this error until I am current on my account, which wont be until the beginning of XXXX when my repayment plan is completed. As I was writing this I received another alert that they reported the full amount of my mortgage as a past-due balance. They are ruining my credit and I have done everything I agreed to.

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 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Westcreek Financial
State: VA

Complaint narrative:
I applied for a line of credit in XXXX XXXXwith Koalafi  formerly West Creek.I was denied credit, however they're refusing to return the {$40.00} fee which was debited from my checking account on XXXX want the funds returned because they were unable to provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and Experian and XXXX are still reporting the account. Since my last complaint to XXXX they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
Hi, My sons each received {$100.00} gift cards from their grandmother. They were purchased at a XXXX in XXXX XXXX, Fl. One of the cards was perfectly fine, the other only had 12 numbers ( instead of 16 ) so it could not be used. Both cards were sealed in packets. I am submitting a complaint because I called the provider, Vanilla gift cards, and I followed their process exactly to explain the fraud. I have not heard anything back or received any acknowledgment. I think it's shaky a firm of this size and stature doesn't even respond. It's only {$100.00}, but really the principal of not hearing anything back, and my mother-in-law is helpless as the purchaser as well. So the question to the CFPB is that this gift card was obviously fraudulent. I went online and read about this and it sounds like it happens quite often. Given it's prevalent, what is the issuer 's process to make good. Is it simply the buyer loses out? If that's the case I'll urge relatives to send cash instead. Just seems so wrong my mother-in-law 's gift is out the window and feel like the work I did to follow their process has not registered anything. It feels like I went into a black hole and that's not right for the consumer. I run a federal credit union so I know about credit disputes. This I've not seen before with our gift card program so was so curious how Vanilla would respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
Submitted a dispute with XXXX Credit bureau and sent a certified mail with the same info to the collection agency ( Northwest collectors inc ) on XX/XX/2022 and to the original creditor listed on the credit report ( XXXX XXXX XXXX ) I checked my credit report and there is a collection reported but I never received any notice, and I had no option to dispute it prior to damaging my record. All my medical bills were paid to the hospital by my insurance plan, and I do not have any unpaid medical bills. Collection Agency failed to provide a written notice and violated my rights.

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 2022-03-21 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: NC

Complaint narrative:
I submitted paperwork to Equifax, XXXX, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted paperwork to XXXX, XXXX, and Experian on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.

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 2022-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit for {$7900.00} at Chase XXXX XXXX account. Later in the week, XXXX from the local branch called me to let me know there would be a hold on it until XX/XX/XXXX and they were reviewing the check because they could not see who it was made to and wanted to verify the wright payee and amount with the issuing bank and business that sent my business the check. I agreed and waited until XX/XX/XXXX. 

I checked the balance online on XX/XX/XXXX and saw the funds had been cleared and account was in good order. On XX/XX/XXXX I received an email that the Savings account funds were lower than the set up threshold. I logged on and noticed a balance of {$0.00} and all the funds withdrawn. I called the customer service line and all they could tell me is the account was closed and funds were issued to me. On XX/XX/XXXX I visited XXXX in the branch to review what happened. After some time on the phone he said they did not verify with the business that sent my business that they had sent the check to my business. 

After another week I called the service line after XX/XX/XXXX and they verified the account was closed, no explanation and the proceeds of the account were mailed to the mailing address on XX/XX/XXXX. 

Another week I called XXXX at the branch and he said that was good they mailed the check on XX/XX/XXXX because on XX/XX/XXXX they closed the account and were holding the funds. 

I have only gotten passed around to various branch or presidential departments since then and need these funs for my business. To date no one has officially notified me of what happened no letter, no email no phone calls, its almost like they don't know and can not locate or send the funds. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital SPV , LLC is trying to collect {$8400.00} from me. I have never had a loan with them and never owed anyone that amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I qualify for XXXX under the new waiver. FedLoan is my student loan servicer. They congratulated me on the forgiveness of my Unsubsidized loans but it still shows that I owe Subsidized loans. They were taken out the same time. Then, they said they needed to verify my employer. I even had my HR Representative send a letter to them for verification. Everytime I call, I'm assured that it will be forgiven but that it just takes time. I have helped multiple coworkers with this process and their loans were forgiven... Yet here I am, still owing when I shouldn't. Please help me? I've been a public servant even before I graduated from high school. This would be life-changing for me and my family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX. Is a business that went through my account from PNC fraudulently taking {$89.00}. PNC denied my complaint and sent me documents relied upon to make the decision. The documents sent was very poor and did not provide me with a legit phone number for the merchant nor a website. A tracking number of the product was fraudulent after speaking with USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the original creditor and natural person i never ga e these companies written consent to furnish my consumer report. they did it without my consent.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the original creditor and natural person i never ga e these companies written consent to furnish my consumer report. they did it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It is necessary to reopen CFPB XXXX XXXX. : XXXX, as despite several attempts to correct this reporting error, including with CFPB in which each time the credit reporting agency failed to address the issue- the matter remains unresolved. Experian incorrectly calculates the credit card capacity ratio by including the XXXX XXXX XXXX loan, which is a mortgage and not a credit card product. Instead of a 38 % ratio as reported by Experian, the actual ratio should be approximately 5 % as reported by XXXX and XXXX. This correction will add at approximately XXXX pts to the credit score.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
1. VW Credit refuses to provide me with a payoff quote amount today XX/XX/2022. I went on line & says i have to go to one of their chosen dealers & purchase another V.W to get payoff quote.

2. When calling i get the same response & refusal to provide this basic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On my Experian credit report, there is a collection account from XXXX. I have never used nor opened XXXX service in my life. This account belongs to someone else and totally incorrect.

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 2022-03-21 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: TX

Complaint narrative:
XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and XXXX and TransUnion are still reporting the account. Since my last complaint to TransUnion they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am a natural person/consume/creditor. On XX/XX/22, I extended credit to Macy 's XXXX XXXX in good faith pursuant to 15USC1691 ( 3 ). Pursuant to 15USC1602 ( l ), a consumer credit transaction was created upon giving my credit card number. This transaction did not benefit me as the consumer according to 15USC1602 ( p ). The customer associate gave me a record of transaction stating that I'd receive a letter in the mail from Macy 's credit department about my application.

Imagine the hurt and disappointment I felt walking away from that customer service counter, especially with others being witness to this transaction. It was utterly humiliating. I extended credit in good faith that I'd receive credit, because the law clearly states only twXXXX reasons for denial : insurance and employment. This transaction did not involve either. I was in a bout of depression all weekend. 

On XX/XX/22, communication of adverse action came in the mail from Macy 's. The denial was for number of credit burea inquiries based in whole or part on information obtained from XXXX. I did not extend my credit to XXXX ; I extended my credit to Macy 's. I never gave written consent for these parties to share my personal information. 

Macy 's blatant disregard for my rights and their boldness to break the law has resulted in this complaint.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA on XXXX, XXXX, 2022 repossessed my car without notice or warning. My current address is XXXX XXXX XXXX XXXX. Inside the car was personal information and property that belongs to me. I also have reason to believe with a UCC Lien search that Santander does not have a lien on the property. Therefore Santander consumer USA stole my property without giving notice of any kind to the owner. The public was made known of the ownership of the vehicle. In the event that this was a mistake or misunderstanding, I am making a good faith effort to rightfully reclaim my property. Any items or information compromised due to the negligence of Santander will be repaid and returned to me. I have made several attempts to call and communicate with Santander. Please see Florida statutes 537.012 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Hello my name is XXXX XXXX and this is my complaint it is on two credit card companies one is Chase XXXX credit card and the other is XXXX XXXX I have always made my payments on time sometimes I make two three payments a month not trying to ruin my credit or anything but they are and I've got proof every time I try and talk to him they get rude and hateful with me they won't listen they keep telling me they don't receive my payments when I know for a fact they do because it's in my bank statements my text notifications and everything else I've got pictures I will send please can somebody help me I'm a single full-time father and one of these days I'm going to need to rely on my credit don't let these two ruin me

Company response to consumer: Closed with explanation