vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed 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 2021-11-12 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 account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/21 XXXX XXXX  purchased ticket from smartfare {$140.00}. 
XX/XX/21 XXXX XXXX  -charged pending for {$300.00}. 
I was sent an email with no purchase price just a confirmation. It says if there was a problem I needed to call them. 
XX/XX/21 XXXX - called XXXX customer service to report the problem. He said there is no nothing he could do. I asked for a supervisor. I was told a supervisor XXXX would call me back. 
XXXX I called again. Nothing happened. 
XX/XX/21 I called navyfederal credit union to file a dispute on the charges. The bank gave me a temporary credit for the amount. It was going to be investigated. 
I provided documents and confirmation with no information from the airline I was given. 
XX/XX/21 - the credit of XXXX was taken back.i called navy federal credit union again spoke agent who in turned called visa.Visa told her for me to provide a detail report of all that took place. They would see about returning the funds. 
XX/XX/21 I called NFCU again to check on the status. I was then told to give more information. I did give the information requested on the phone as we talked. They told me they couldn't get a response from the merchant about the charge. So they denied my case again. I was told to put in a claim again. It would take longer. I did. 

XX/XX/21 - Called NFCU to check status was told that it is not fraud. It was error on the merchant part. I just want to file complaint to have my funds return to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself there is no third party involved. 
I XXXX XXXX, Consumer, Natural person, and original Creditor enter a Consumer Credit transaction with Santander on XX/XX/ and a Finance charge was involved pursuant to 15 USC 1605 A Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Santander also made me buy Insurance on the side instead of providing me with insurance everything is suppose to be included in the finance charge there aren't suppose to be any cash given or taken in a consumer credit Transaction an Santander took cash an charge me on a monthly Baisc til the Vehicle was paid in full I'm Enforcing my Rights for all payments back via mail Pursuant to 15 usc 1692 H If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Santander has used abusive, deceptive, and unfair debt collection practices on me making me pay deceptive debts ive been harmed in this matter emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I purchased a money order to send to my friends In XXXX XXXX Arizona on XX/XX/20. They never got it. i contacted the company 3 times and never got a responce. I have copys of the docs I sent them. it was XXXX. It has cost me not only the money but my friends as well. they don't believe the money was ever sent. This has been over a year now and I am on XXXX disablity and only get XXXX a month so I have no extra money to send them. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
I received a letter from Diversified Adjustments a few months ago stating that they took over a debt that I had and to notify them within 30 days for either validation or to make payment arrangements. I immediately took action upon receipt of their letter, and sent them a debt validation letter via certified mail for them to provide more information about this alleged debt. I have receipts showing that my letter was signed for and received by this company. It has been well over 30 days with no response received back from them so I assumed they couldnt verify. However, today, I received an alert on XXXX that they have now flagged my account for collections when they have not provided me any proof for this. I believe this is a total violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX Bank on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Equifax is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
Pennymac accepted a forbearance on my fathers estate in XXXX. He died and left me his home in XXXX that he financed thru a VA loan. I have been the making payments for over 5 years now. I missed a few payments during the covid outbreak after requesting forbearance due to the pandemic hardship. I am the successor in interest and requested a forbearance in the spring of XXXX. Pennymac has been repeatedly demanded a quit claim deed on the property. I talked to the court clerk and they said that document in Oklahoma is not worth the paper it is written on. It it used for the private sale of property and is not used in probate or estate administration and she was puzzled as to why they would request the document at all. Since my father is the only person who can legally sign that document and he is deceased, it is an impossible task. I have started a full probate but they seem unwilling to wait for the correct and legal way to administrate the property. They have never offered me a modification plan even though I have requested it dozens of times over he past year and a half. Early last year while on the phone with Pennymac 's own lawyers who said a quit claim deed was not needed to start a modification because there is a successor in interest form filed with Pennymac and the very fact they were on the phone and discussing the note with me is more than enough for a modification to start. I have sent them all the paperwork on the probate and I was told I should not worry and Pennymac was not going to start foreclosure proceedings. Well they have sent me paperwork saying they were going to foreclose and demanding the full sum several times now. I keep getting calls about the past due and no mention of modification. They have turned down the modification twice due to not receiving a quit claim deed. Like I described earlier, that is impossible to get without going to probate court and they know there is a court date scheduled for XX/XX/XXXX. Nothing can be done until then. I just want a modification plan so I will quit getting calls and letters saying they are going to take the property. I am able to make payments now and have not missed any payments since the few months of forbearance in XXXX nor did I miss any before. I have also been paying more than my payment amount to catch up on the past due. I can not even make a payment online, I have to call on a weekday and talk to several people and spend about 45min to an hour on the phone. They have made it very hard to simply make the monthly payment. Please help me get a remedy to this nightmare. 

Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
My bankruptcy chapter XXXX was filed on XX/XX/2020 and discharged on XX/XX/2020. Equifax is showing account status as Derogatory and payment status of Collection/ Chargeoff and Derogatory for all accounts. Accounts are being reaged to a current date which is against Fair Credit Reporting Act.I have tried multiple times to dispute all Derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: OK

Complaint narrative:
MEDICAL DATA SYSTEMS ISSUED A DELETION REQUEST FOR THE COLLECTIONS ACCOUNT ON MY EQUIFAX REPORT. DESPITE REPEATED REQUESTS AND ATTEMPTS, EQUIFAX WON'T DELETE THIS. I HAVE A COPY OF THE DELETION LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by SYNCHRONY BANK XXXX I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by SYNCHRONY BANK on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by SYNCHRONY BANK adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. SYNCHRONY BANK is now civilly liable to pay me for the damages.

REMEDY Grant me an open-end credit plan with your company or pay me {$5000.00} for damages.

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. As a result of the damage has been done I have not only been experiencing severe XXXX, but also struggles with my finances, and issues in my marriage.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed 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 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have transferred some coins using exchange to coinbase.com into my digital wallet which was generated by them only. My coins has been transferred to that same digital wallet, now they are excusing in so many ways that this is not supported on their network. However the coin XXXX is listed as tradable on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
Credit reporting agency is reporting in accurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I contacted Santander Consumer on XX/XX/XXXX @ XXXX XXXX about the litigation due to deception and predatory lending practices and I was immediately ignored. The gentleman by the name of XXXX when I asked about the lawsuit and if my loan qualifies for the class action lawsuit or if my loan amount that was owed would be removed he told be the only way I can remove it is to go into court and file for a cancellation of debt. I assured him that the company Santander was in the middle of litigation and he told me basically my loan did not qualify. 
The remaining balance owed on the vehicle is XXXX I have attached the article and the litigation information through two ways I am going to list the web addresses with a copy of the first few pages of the documents explaining the process. 
XXXX My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CA

Complaint narrative:
IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX  XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  # XXXX should not be reporting any late payments from XX/XX/XXXX through XX/XX/XXXX. Experian has failed to update this information on our credit files. This needs to be removed immediately!

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