vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Lease
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: CA

Complaint narrative:
The original dealer I leased the vehicle from has permanetnly closed. I have called several of the dealers as indicated on the Chryser Capital website and have been informed they don't accept returns of vehicles not leased through them. ( This is different from what Chryser Capital has indicated. The dealerships transfer me around the and I leave messages but don't hear back. I called Chryselr Capital customer service and they gave me another dealership even further away. I was transfered 3 times there and I am waiting for a callback. I would like them to arrange for a convenient return at the end of the lease. I believe it is unfair and deceptive to list dealerships on the website that are unwilling to accept all returns. 

I am sure this is to pressure people into purchasing or leasing a new vehicle. ( In which case the dealer would accept the return ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with XXXX multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


CITI CARDS CBNA

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 2019-07-22 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: Michael Wayne Investment
State: NC

Complaint narrative:
Michael Wayne Investments is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
someone opened a discover card in my name and i contacted discover to report it as well as all 3 credit bureaus. discover used the information i gave them to have XXXX re- report the negative account information on to my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made many attempts to remove this incorrect reporting XXXX XXXX XXXX XXXX. This account is reporting either in error or as a result of identity theft. The child Support that had is with Georgia and its balance is reflecting {$11000.00}. 
Incorrect Creditor : XXXX Incorrect Balance : {$33000.00} Incorrect Monthly Payments are showing {$11.00} Correct Creditor : XXXX XXXX XXXX Correct Balance : {$11000.00} Correct Monthly Payments : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: MD

Complaint narrative:
Hello my name is XXXX XXXX this is now on my 3rd attempt to remove my sisters information from my Transunion report. I have disputed these items 3 times # Transunion dispute numbers XXXX and XXXX with no peril. I also have spoken with XXXX regarding the loan that are not listed under my name. Im at a critical point because I was scheduled to go to settlement/closing on my new home by XX/XX/2019. But with these items on my TransUnion report, it wont happen and I will lose over {$7000.00}. This is my twin sister information, we have a similar name and social security numbers and have been having a difficult time getting Transunion to remove the information in a timely fashion. Can someone please help!

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 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Home Depot ( Citibank ) credit card. Someone committed fraud against my account multiple times. I think it started in XXXX or XX/XX/2019, but I don't have all the information I requested. I was provided this information over the phone. XX/XX/19 the following charges : {$51.00}, {$480.00}, {$43.00}, {$250.00}, {$240.00}, {$3700.00}. I was told my total was {$1100.00}. They say my new total is {$790.00}. None of these purchases are mine. I did not authorize anyone else to make these changes. They could not itemize the charges. I only know they said that someone ordered a washing machine online. They delivered the appliance, but could not supply the address nor provide a copy of the signature of a woman who supposedly accepted the washing machine. It was not me. They said that I ordered tools, but I did not do this either. I have called Home Depot the following dates : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( 3 times ), XXXX ( 3 times ). I have spoken to at least ten times. Each time I have insisted everything was fraud. I'm being harassed.

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 2019-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
My wife has XXXX XXXX XXXX for 12 years she has underwent 10 surgeries and has been working with 8 doctors specializing in her XXXX. I contacted The Swiss Colony to  include all their affiliates ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Trying to work a hardship repayment program due to the extraordinary circumstances with medical bills. I have been a customer with The Swiss Colony and all their affiliates for 30 years and they have always been flexible with my monthly payments up to 90 days of payments by accepting payments from me this way has always been agreed and became the standard. Never past due of 120 day until the medical bills. Understanding this is a catalogue store my concerns that never received and itemized statement each month so never sure what I truly owed but paid the required amount on each. When I requested a hardship payment plan they told me only as long as I can provide a letter from my wife 's doctor with medical proof. My wife has never been a joint account holder. My wife refused to provide any medical proof since she was not on any of the above accounts and was very upset due to her privacy. HIPPA ( Health Insurance Portability and Accountability Act is a law that protects medical information from being shared with others. Now my accounts are with XXXX XXXX XXXX XXXX XXXX, XXXX requesting {$4.00}, XXXX no other itemized listing. I will be sending them a Validation Letter of Debt IAW Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a good practice to request medical proof for any family member to assist in a hardship payment program. One would agree that a loyal customer for 30 years should be taken by his word when there is a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-07-22 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I met with a financial counselor who was able to look at my credit report. I noticed a account which I did not recognize. My report was showing a CareCredit credit card under my name with an unpaid charged off balance of {$1500.00}. Prior to my counselor explaining to me I had no idea what CareCredit was. With the help of my financial counselor we contacted Synchrony Bank which CareCredit is under to report this fraudulent account on XX/XX/XXXX. I followed up today XX/XX/XXXX and they informed us that that my fraud claim had been denied and the account will remain on my credit report. The reason they gave me for it not being removed was that it was opened years ago, XX/XX/XXXX, payments were being made in the beginning and my address matching. This does not prove that the account belonged to me. I don't know who applied for this account but it was not me. The statute of limitations to collect on this account has passed but I want this account removed from my credit report as it does not belong to me and it is negatively effecting my credit.

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 2019-07-22 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: SC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I have had an FHA loan with pennymac for 6 years. All payments have been made on time and every single payment has been accompanied by an EXTRA sum to go to principle. I pay over XXXX dollars a month pmi. They will NOT give me a refill. They say my credit score is XXXX. It is not. It is XXXX. They say I have debt. I do not!!!! 
They have lied to me and discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have provided US Bank with all of the documents requested of me. I suffered a financial hardship, loss of income. However I have overcome the financial hardship and am asking for mortgage assistance. Every time I call to check status on my request for mortgage assistance I get transferred over and over and over and end up being transferred to the automated system again a few times in the process of being transferred from one place to the other. US Bank does this to me all the time. I get it I am older and perhaps my patience is not as good as it use to be but to be on a call every time for 2 hours to end up on someone's voicemail is unacceptable. NO ONE over US Bank is able to provide an update other than the point of contact assigned. I need answers I have given everything asked of me over and over and have spent a lot of money to fax everything US Bank asks of me to have no responses.

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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC,  showed up on my credit report with an original creditor of XXXX XXXX  in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital one credit card is missing from credit report. Capital one has been reporting to all 3 credit bureaus for 2 years and said they have continued to report to all three credit bureaus. Called XXXX and was told that capital one requested to have entire account deleted. My entire positive credit history is gone. I would like my credit history put back on to XXXX   immediately. fyi : XXXX and XXXX  shows capital one reporting. This is a disaster,, all my hard work to keep my credit card in good standing has vanished, and when I called no one could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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 was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account 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/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX BANK  XXXX, XXXX XXXX STEOTY/TS, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: TX

Complaint narrative:
In XX/XX/2019, I opened a MoneyLion checking account under their Pave the Wage promotion, which was to pay a 17 % bonus ( up to {$590.00} ) on the first Direct Deposit to the account, as long as conditions were met - Direct Deposits had to be maintained to the account for 90 days after the initial at at least 90 % of the amount of the initial DD. I opted in to the promotion through the MoneyLion app but did not receive any confirmation of having opted in, so I called and confirmed that I was opted in. On XX/XX/XXXX, my first DD of {$2800.00} posted and for the 90 days following, I had regular DDs of at least {$2500.00}, meeting the terms of the promotion. According to the terms, I should have received a bonus of {$480.00} at the end of XX/XX/XXXX/beginning of XX/XX/XXXX - 90 days after my first DD + some processing time. I began contacting MoneyLion on XX/XX/XXXX and have been given the runaround since, with excuses and vague answers to my emails and phone calls. They say that funds are still processing, or that I never opted in and they have no record of my phone call checking that I was opted in. They also have no record of several other calls I made over the last few months regarding general checking account maintenance, so agents are clearly not logging all calls. In fact during my last call, I was told that there was no record of the call prior, which was rather long and involved the agent supposedly looking in-depth into my bonus situation. After that last call, the agent escalated the issue, but that was a week ago and I've heard nothing since, despite checking in via email after several days. 

I would appreciate help in having MoneyLion honor their commitments and not try to lie and lack of documentation their way out of treating customers as they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed an item off of my XXXX XXXX credit report. XXXX XXXX deleted the information for verification purposes I also reached out to Equifax but they are not responding with any verification of the account in dispute. The account is in the re-investigation process and I've sent letters regarding the dispute and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I am filing a complaint against Lincoln Financial today because they are reporting inaccurate information on my credit report which is affecting my ability to qualify for a Conventional Mortgage. I have tried to resolve this issue by contacting Lincoln Financial directly but there has been no resolution. They are reporting a 30 day late payment on my credit report in XX/XX/XXXX which is inaccurate because this is not reflecting the payment that I sent thought XXXX XXXX on XX/XX/XXXX. I sent a payment in the amount of {$360.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX. The payment not posting to my account is in result of a bank error and needs to be corrected immediately before further action is taken. I have attached a copy of my XXXX XXXX statement, proof of payment, and a copy of my credit report.

Company response to consumer: Closed with non-monetary relief