vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have had accounts with this company for over 10 years and I have been making payments for 6 years on a {$20000.00} loan I took out over 10 years ago but now the loan is more than {$30000.00}. I have been making payments but the payments have never been going towards the interest. My monthly payments are constantly hundreds of dollars and it does not make a difference. They have never tried to work with me despite unemployment. They have contacted my co-signers despite my financial hardships even during the pandemic. I have a good income but not matter how much I make, these payments will continue to swallow all of my paychecks for another decade. I have not been able to get my loans refinanced. I filed bankruptcy in XXXX  but it did nothing for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I Sent letters to Experian to to show that they had wrong information but they still would not delete incorrect information. My plan next step is to XXXX Experian for not complying with the Consumer Laws.

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 2024-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm offered a promotion to provide a {$15.00} credit if I completed a purchase of a {$100.00} gift card to bath and body works. I completed this purchase specifically for the promotional offering. My online account consistently showed that a {$15.00} credit would be applied and I have a screenshot. Additionally, Affirm provided me an email dated XX/XX/year> stating that I qualified for the {$15.00} promotion and it would be applied to my account. However, Affirm never honored their promotion. I have paid the account off in full and was never late on my obligation. I have attempted to contact Affirm 3 different times and each time the representative disconnected the line on me. In one day, I had one representative state he knew nothing of the promotion and then the next representative stated she did but each time the phone was disconnected on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MN

Complaint narrative:
I recently looked into my credit report and seen that a capital one card was put in my name not only that but maxed it out. I was not sure why my credit score was so low until I realized someone opened an account in my name fraudulently. My ex boyfriend knew all my information so he is who I think is responsible but it was opened without my knowledge and consent so I followed the steps on my credit report on how to dispute and there was an investigation but they didnt do anything about that account on my credit they are saying its mine but its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
XXXX XXXX called me on XX/XX/XXXX. Upon answering the phone, a gentleman told me i qualified for a subsidy but i would first have to pay a enrollment fee. i told them i did not have the money for the fee at that time. I made it very clear to the man that any funds i had was spoken for, for upcoming routine bills. He put me on hold as he connected me thru to his finance manager to possibly approve for delayed partial payment. A lady answered and after i re-explained the importance of the money i had and my unfortunate financial situation at that time, the lady agreed and promised not to take the funds from my account until XX/XX/XXXX. I asked her, '' you're sure my account won't be affected until XX/XX/XXXX? She responded, " yes sir, we will not withdraw any funds until XX/XX/XXXX. '' i said, " okay then. We finished the conversation and hung up the phone. They took out more than what they initially told me they were going to take ( {$160.00} ) less than an hour after i talked to them. I immediately called Credit Karma and filed a dispute. Almost weeks later i managed to find XXXX XXXX email from notes I wrote down during our conversation and requested a cancelation of their services. Since then Credit Karma denied my dispute XXXX XXXX took out another {$130.00} from my Credit Karma account on XXXX XXXX XXXX, XXXX Innovative Health took another {$130.00} from my account. Credit Karma still has done nothing when i talk to them. They tell me my dispute in another review and to monitor my email for their response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have repeatedly asked Barclay Card to send me paper statements for my PriceLine Visa credit card. They have repeatedly claimed that I have " enrolled in e-Bill, which is an online bill presentment service powered by XXXX elsewhere. '' I have repeatedly replied to them that I am unaware of any such online settings, that I do not care about this third party, and I want paper statements mailed to me. Barclay Card has not sent me paper statements. 

I have requested paper statements in messages to BarclayCard on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged them again demanding paper statements and to whom I could make a formal complaint about their lack of response. They mailed me a generic-looking letter asking that I call them to discuss my comments. 

I simply want paper statements mailed to me in a timely manner. I don't care about any third party that may or may not be providing electronic bills. I want paper statements no matter what.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I believe the account is invalid. CREDIT COLLECTION ( Original Creditor : XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CREDIT COLL ( Original Creditor : XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my 3rd time disputed this XXXX XXXX XXXX XXXX account ending in XXXX and it did not get deleted. I have sent a police report, ID, Identity theft report, A LETTER FROM THE CREDITOR SAYING IT WAS A RESULT OF FRAUD. their DID NOT DELETE THIS ACCOUNT BECAUSE OF FRAUD. This account needs to be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have A GAP insurance policy with Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  phone XXXX. My car was totaled and they are refusing to pay the remaining balance on my vehicle even though my policy with them was active and fully paid for.

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 2024-02-12 00:00:00
Product: Credit reporting 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:
I logged in to my Equifax, and I see a blank report under my account. The website XXXX XXXX XXXX shows the error that I need to call custom care and say this error code : XXXX. 

I called many times and only what they say : " There is a technical problem with your account. We escalate this and give you a call back '' They never called me back and didn't fix the issue. So I cant use this at all. 
I am also unable to purchase their premium products because they are canceling all my attempts to purchase them. I feel discriminative, and agents from Equifax can't help or resolve my problem. 

It's been 6 months already I'm trying to get my account fixed. 

With all being said, I can't get my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I paid off my credit in full in XX/XX/XXXX. In XXXX they ( Target Card Services ) billed me and renewed automatically a delivery service called XXXX for {$99.00} and I called and advised I did not want the service and to remove it. Target stated they would investigate and get back to me. Then I get another bill in XXXX with a late penalty plus interest and the charge is still there. I called them again and they told me that they deny the dispute so I went through it again and they said they would get back to me. On XX/XX/XXXX " XXXX '' advised me that the dispute was closed because they had sent me a gift card for the amount of the dispute via email. I never received nor would I accept a gift card for the disputed amount instead of having them remove the original charge as they are still apply penalty fees and additional interest charges and their XXXX service stopped working for me ( basically I could no longer order from the XXXX XXXX store in XXXX XXXX  - their service only allowed me to order from other smaller stores in XXXX that do not have the all the items I need and I complained about this since XXXX so there was no reason for me to renew this service ). Target continues to bill me penalties and fees and interest now for 3 months and will not fix the issue. I should not have to pay for a service that does not work and that I advised them of repeatedly. Also I never received their alleged gift card nor has it been cashed!!! I need for them to resolve this issue by removing the original {$99.00} charge, the interest and the penalty fees and advising the XXXX credit bureaus of their mistake. My credit score has dropped over XXXX points! Help please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have filed ftc report and cfpb complaint previously because I found inaccurate accounts and ssn numbers belonging to someone else on my credit report. Nobody has yet to help me get this account off my report.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I have contacted them before and asked for the contract with Jefferson Capital showing I owe them this debt. None was provided therfore they removed the account off my credit until this month when they reported it AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have tried to fix this problem but the credit card company doesn't want to fix the problem. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies are not mine and I would like you to research these to see if they are mine and if not delete them from my credit account. On the XXXX  15 USC 1681 Sect. 602A States that I have a right to pvcy. and that Consumer agcy. can't put thing 's on credit that is 15 USC 1692C 604A.

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 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: CO

Complaint narrative:
My wife and I moved into our first purchased home in XXXX  XXXX. Our mortgage was then sold twice and we were put with XXXX XXXX XXXX We made a few payments to them and then in XXXX XXXX  our loan was sold again from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX apparently totally different entities ). Our XXXX payment was made to the first XXXX  and during the loan transfer process and that payment was " lost '' according to the new XXXX. We submitted proof of payment and continued to make monthly payments as instructed. Every month we were notified our loan was delinquent through certified letters and emails, I would call and they would say " Oh we're sorry about that. You're not delinquent, we just need to find that XXXX payment. '' Today, I went to make a payment for XXXX and XXXX  is claiming we haven't made any payments since/including XXXX and that we owe them {$12000.00} immediately. I contacted my bank to confirm the payments went through and then did a third party call with my bank and XXXX  and then they claimed two of the missing payments were in suspension but they didn't have record of XXXX 's payment even though my bank statement confirms all of them. I have spoken to realtors and mortgage brokers in our area and they all think this could possibly be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation