vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: NY

Complaint narrative:
I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Iam a customer of Santander bank. On the XXXX of each month the monthly HELOC payment is drawn from my checking account. This month the amount of {$620.00} was withdrawn a week early. I called the Help number and was informed that there was a general error that effected other customers and the payment will be reversed in 7-10 days.

I asked for the correction to be posted in 24 hours and was refused I asked for interest to be paid for the time the bank has use of my money and was refused I addition, on the XXXX of this month, in 3 days, the bank will again withdraw the monthly payment

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 2022-12-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report and notice a charged off account from ( XXXX XXXX XXXX XXXX for XXXX ) according to the FCRA 15 U.S. Code 1681 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have a right to privacy and have not given you permissible purpose to report. Also 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this was a transaction that shouldn't have been reported again i never give any written permission to report 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. with this information you have violated my right as a consumer and i want this account deleted off my account.

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 2022-12-27 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2022, my checking account was charged almost {$5000.00} between XXXX transactions all going to what looks like 5 different people in XXXX XXXX XXXX. 
The names are : XXXX XXXX, XXXX XXXX XXXX, XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX. 
On the night of the charges, I received automated calls from Chase and I denied 1 of them but the calls came in as I was on the line. I received multiple calls from chase and couldn't answer them at once. The next morning I woke up to all these charges and called the bank immediately. My debit card was closed and a claim was filed. I had no access to my money while this was happening and I awaited a new debit card in the mail. On XX/XX/XXXX, the charges were reversed and I thought everything was handled as these are clearly not my charges.This morning ( XX/XX/XXXX ) I was shocked to see another reversal and the fraudulent charges were placed back into my account leaving my checking account overdrawn - {$3700.00}. I again contacted the bank and was told that my claim was denied as these charges came from my phone using either a fingerprint or facial recognition. This is not the case at all as I have never lost my debit card or phone and I have no reason or any previous history of sending money to XXXX. This is putting a major hardship on my financial state as I am unable to pay my rent or put food on my table for myself or my kids. I'm willing to send my phone to any investigative agency that wants it but I need to get this figured out fast. I did have my debit card linked to XXXX XXXX but again, my phone never left my person and I swear on everything that is good in this world that I never authorized these charges. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 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: MS

Complaint narrative:
On XX/XX/2022 XXXX is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MS

Complaint narrative:
On XX/XX/2022 XXXX is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: OK

Complaint narrative:
XX/XX/XXXX I seen a XXXX ad that said apply for a secured card with no hard credit inquiry I fill it out then it directed me to the application then I get denied and a hard inquiry on my credit I called an ask what happen they said I did a application I told them I filled out the one for soft inquiries and it directed me to the application process so I was thinking I got approved but they said theres nothing they can do about removing the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.

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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX  in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. 
I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.

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 monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was NO SIGN OF A PAYMENT BEING PROCESSED FOR THE MONTH OF XXXX EITHER IN THE PAST OR PENDING PAGMENTS. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not. 

This is now the second time I am submitting this complaint. XXXX had attempted to contact me and upon attempting to reach back out to XXXX, I have never been able to get in touch with her. XXXX XXXX closed my prior complaint ( XXXX XXXX : XXXX ) claiming that pending payments were made available to me when they were not, as stated in my original complaint and now in all caps in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
-Identify Theft report filed with FTC XXXX 
-Disputed collection account via credit bureaus. 
-Hired a lawyer to negotiate with collection company to pay but denied any negotiations to come to a middle ground.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have several incorrect accounts on my credit file I have contracted them several times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NE

Complaint narrative:
During XXXX of XXXX, I called Sallie Mae and told them I wanted to figure out payment options because I have been having a difficult time since COVID and deaths in the family that have altered my life completely, mentally, emotionally, and financially. I am now in the process of XXXX XXXX XXXX  who lost her father who was my uncle, which has taking a financial toll on my finances while I am still recovering from the impact of XXXX. I have explained this a Sallie Mae representative who talked me out of doing a forbearance stating that it would not be in my best interest because it would cause more of a financial burden and that Sallie Mae wasn't close to reporting my account to the credit bureaus and I had time to make a payment. I made a payment a few weeks later to which Sallie Mae took out a partial payment not the full amount, once I called several representative could not give me a explanation as to why that occurred and nothing was notated on my account. I sent a complaint to Sallie Mae via mail and I did not receive a response on. 
I then spoke to XXXX XXXX who said once I get only a payment plan which included my defaulted amount that I would not receive any calls or emails because of the plan. That was not true. Since then I have continue to get harassing phone calls with people telling me different things every single time. I then received a letter threatening to take me to collections if I didn't pay by the XXXX when my payment plan was set for the XXXX. I called and spoke to XXXX and she said they wouldn't send me to collections as long as I made a payment on the XXXX ... which doesn't make sense. So I called and spoked to another representative who told me that the payment plan didn't cover everything which I was no aware ... she suggested I make a {$66.00} ( week of XX/XX/XXXX ) payment to stop it from going to collection which I did and told her that I did 't want to be contacted by representatives because I am continuously being misled. The following week I still made the {$85.00} ( XX/XX/XXXX ) payment that I agreed to which put me in a financial bind. I think I got contacted the following week after making the two payments that I needed to make {$130.00} payment, I told XXXX that I asked to stop being contacted because I don't even know what I am paying and nothing is making sense. She refused and said they are allowed to contact me. I continued to ask questions about my account and she transferred me to another representative who then couldn't explain anything and couldn't transfer me back to XXXX. Not once did or was she able to explain any explanation... again something that I continue to receive from the representatives.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My bank is XXXX XXXX XXXX. On XX/XX/XXXX, I went online to request a USPS change of address. As expected I was asked to put my card details to be charged {$1.00}. Few minutes after I realized I got charged {$99.00} instead of {$1.00}. I went back online and found out I got scammed on a fraudulent website imitating the USPS website. I called my bank same time to dispute the transaction. I got a credit the following week. I received an email asking for documentation. I submitted a statement as a reply to the email. On XXXX, XXXX I realized the credit they had given me got reversed without any communication to me via email, phone or mail. I called multiple times to find out why and to ask for a resolution but on multiple occasions whoever I speak with tells me different story and hang up the phone on me. The name of the transaction was CHANGEOF MY MAILADDRES. The incorrect spelling is enough proof that its indeed a scam. Also everyone in the US know USPS dont charge {$99.00} to change address. I explained all this in details in my statement but they still rejected my claim without any communication. They rather asking for a correct receipt from USPS when I cant provide that since the transaction wasnt with USPS but a fraudulent website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested the Equifax update my address on the credit report several times. It's incorrect. Equifax has refused. I have also sent in the utility bill and other documents to have the address update..Now there is inaccurate information on my credit profile and Equifax is willingly and knowingly refusing to change it. 

In addition to that, I have tried on several occasions to pull my free annual report and Equifax is blocking that. 


I have also called and sent letters to XXXX as well so that they can update the address and its not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX from XXXX XXXX in Delaware in XX/XX/XXXX. The vehicle arrived and Ford has a program for vehicles ordered before XX/XX/XXXX of 3.9 % for 60 months. I have perfect credit and was pre-approved with Ford Motor Credit and they refuse to provide me with the 3.9 % APR. They are charging me 5.9 %. The Dealership is saying that Ford Motor Credit refuses to honor this advertised program. Here is the program and disclosure : XXXX : XXXX XXXX XXXX XXXX XXXX Sales Event : Final Days Offer Details The XXXX XXXX XXXX or XXXX will raise your heart rate and stir your soul. Drawing on deep performance roots, it features precise handling, high-powered engines and iconic design. Check out the great incentives and deals, and dont miss this opportunity to secure your XXXX XXXX XXXX model now. 

DISCLOSURES *Place a new vehicle retail order for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a local authorized XXXX Dealer on or before XX/XX/XXXX and lock in 3.9 % APR financing for 60 months at {$18.00} per month per {$1000.00} financed regardless of down payment ( XXXX # XXXX ). 

**Not all buyers will qualify for Ford Credit financing. Not available on 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  Residency restrictions apply. See dealer for qualifications and complete program details. Some exclusions may apply. Due to high demand and global supply chain constraints, some models, trims, and features may not be available or may be subject to change. Check with your local dealer for current information.

Company response to consumer: Closed with explanation