vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
I deposited a check from XXXX XXXX  made out to me on XX/XX/XXXX. I was told the funds would be available on XX/XX/XXXX. On XX/XX/XXXX I was told the check was accepted. The funds were never made available. 

When I inquired I was told that the check was rejected because it wasnt in a format the bank accepts. They wouldnt give me any other information beyond that. 

This was a bank check drawn on XXXX XXXX. 

This appears to be a violation of federal law and the rules of the federal reserve. 

Ill deposit the check in a real bank, but Id like an explanation of why they can break the rules and waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a dispute to XXXX, XXXX and XXXX about XXXX autoloan account that were open as a result of identity theft. This account is XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$XXXX} ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. XXXX, XXXX and XXXX didn't answer my dispute. 

Around XXXX XXXX I had lost my wallet which contained my ID and a little note that contained some of my passwords and my SSN number. I didn't lose my SSN card but my XXXX digit number was on the note that I had in my wallet. Sometime after, there were several transaction on my card such as food delivery and other expenses. About XXXX months later I found out my identity was used to purchase a car from XXXX after checking my credit karma account. When I spoke with XXXX, they said that a cosigner was attached to the account and the name was XXXX XXXX. I believe he was the person responsible for all this. I have reported this all to the police since then and I have been trying to let the bureaus know of this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Equifax are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of the HIPPA release form that authorize XXXX XXXX XXXX XXXX access to my medical file on XXXX but got no reply therefore, my demands were not met, and they continue to report this account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility. 
This is the XXXX XXXX XXXX XXXX reply : " The account in question was turned over for collections XX/XX/XXXX. We received a written dispute XX/XX/XXXX stating identity theft at which time XXXX XXXX supplied us with her driver 's license. We investigated with the creditor who verified the debt and had a copy of XXXX XXXX 's driver 's license which matched. The account was marked a disputed. We will also now send XXXX XXXX verification supplied by the creditor '' ( Please Note that for the second time I have requested verification from the above-mentioned and they have not furnished me that the requested document. yet, the item remains on my Equifax and XXXX credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
CHRYSLER CAPITAL FAILED TO Affirmation to Notary of Failure to Produce Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation made to Name of Financial Institution : CHRYSLER CAPITAL AND XXXX XXXX XXXX Specifically the Law includes the National Bank Act also known as the National Currency Act, The Consumer Credit Protection Act, The Fair Debt Collections Practices Act, The Fair Credit Reporting Act, the Truth in Lending Act and any and all laws applicable to Financial Institutions federal, state, or contractual ( commercial ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX  ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. 

I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. 

They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. 

I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. 

I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account is a duplicate reporting of debt reported by another collection agency. I want to inform you that the debt you are reporting is invalid as I already made a full payment on this amount.. My financial reputation is seriously damaged by keeping this on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To : Whom this may concern I am seeking MONETARY RELIEF FOR DAMAGES TO MY CHARACTER Pursuant to 15 USC 1681a Definitions ; rules of construction experian is required by FEDERAL LAW to conduct a investigation upon request of the consumer and verify the accounts are ACCURATE and FAIR. 
All accounts listed I am seeking MONETARY RELIEF because these accounts have been deleted after 6 to 8 months of disputing these accounts, send check to address posted above. ( FAILURE TO INVESTIGATE ACCURATELY AND FAIRLY ) Pursuant to 15 USC 1681n ( a ) ANY person who willfully fails to comply with ANY requirement imposed under this title with respect to ANY CONSUMER is liable to that CONSUMER in an amount equal to the sum of ( A ) any actual damages sustained by the CONSUMER as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
DATES OF ALL ACCOUNT INVESTIGATIONS VERIFIED IN VIOLATION OF FEDERAL LAW XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ACCOUNT DELETED XXXX, XXXX, 2021 ACCOUNT UPDATED XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX, XXXX, 2021 DELETED XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX DELETED XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELETED

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 2021-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the erronous information about my accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of accounts that are still reporting on my Credit Report and needs to remove completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
We have XXXX mortgages with Specialized Loan Services. They have incorrectly transcribed the address of XXXX of the mortgages, and shows in their records as the same address as a different mortgage. We have been trying to get this corrected for XXXX XXXX years and are now and still not getting their attention. We are supposed to closed on a refinance of this property TODAY and despite numerous calls from the lender, the title company, and is they will not make this change so We are looking to have to postpone closing due to their inefficiency or Ineptitude and this is just unacceptable. We should not be paying the price for their mistakes and poor customer service.

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 2021-11-23 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: MN

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called the bank on XX/XX/XXXX to payoff a personal loan with funds from a checking account, both at XXXX. The agent retrieved the payoff, took the information and said the loan would be paid off in XXXX days and gave me a confirmation number. Today XX/XX/XXXX, I check my online account and no pay off was made. However, a payment is due tomorrow. I called again today to voice my concerns. The agent initially told me I would owe {$7.00} more in interest but he could put in the request today. I explained that I would not be paying more interest due to an error on their part. I was surprised that when requesting to speak to a supervisor, I was told several times that the individual does not have a manger. Once he finally connected me, the manager eventually looked into my account enough to see that there was a request. Her suggestion was that I call back tomorrow to ensure the pay off occured because they do not make payments before the due date. This make zero sense and I can pay this loan at any time and was told it would take XXXX when I called on XX/XX/XXXX. The manager told me that if by tomorrow morning, it was not complete, that I should then " apply pressure '' to make sure it's done. I explained that this seemed like a lot to ask for a customer to take on and I was concerned that if it was not done timely, there would be an impact to my credit score. The Customer Service I received surprised me and I lack confidence. I am just trying to end my relationship with the bank.

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 2021-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021, and still nothing from them. The inaccurate accounts are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late close XXXX XXXX XXXX {$0.00} Charge Off XXXX XXXX {$640.00} XXXX XXXX {$1200.00} Collection XXXX XXXX XXXX XXXX {$700.00} ( Original Creditor : XXXX XXXX ) XXXX {$1100.00} MIDLANDCRE XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Trying to close on a XXXX with TD Bank. We were told in an email " You can schedule your closing at your desired location, time, and date, after XX/XX/XXXX. Please let me know what location and date you would like to close. '' We suggested XX/XX/XXXX ; we received the reply " I would not be able to hold this closing until XX/XX/XXXX. Documents on file will expire, I would also need to pull new credit and send the file back for underwriting review. '' When we asked for the specific closing date, we received the following reply : " You can schedule your closing the week of XXXX. Our branches are open except for XXXX. If you wait the following week I would need to pull all new documents, credit, title etc. '' We replied back : " To confirm : does this mean that XX/XX/XXXX is the expiration date and when we need to close by? 

I am aware that TD Bank is open next week ; however, that is a shortened work week combined with a holiday, meaning that it's logistically more difficult for us to come in to close that week. 

If we have to close by the XXXX, then Monday the XXXX at XXXX will work for us. '' This was on XX/XX/XXXX ; we never received a reply. We followed up with our local branch and were able to schedule a closing for this Friday. 

This was eventually resolved but I am concerned that we never actually received a straight answer to the question of when we needed to close by. If closing needed to happen by a particular date, why wasn't that mentioned in the original email, or any of the subsequent ones? If we were traveling this week, we might have had major issues trying to close this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have the following problems that need to be investigated, previous addresses that are not mine and my NAME is totally wrong and an account that is not mine, a letter is enclosed that explains everything

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: LA

Complaint narrative:
I was ill in the beginning of the year so there is no way I purchased a vehicle from rXXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized XXXX loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.

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 2021-11-23 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$96.00}

Company response to consumer: Closed with explanation