vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a mattress from a company for {$2900.00} and financed the entire amount through Affirm ( order # XXXX ). The product ended up not working out for me and the original company processed my return and refund on XX/XX/XXXX. I returned the product to the original company shortly thereafter. AFFIRM did not acknowledge my right to a refund until XX/XX/XXXX and I received an email that my refund would be send via mail to my address on file and should be received in 30 days or less. After 30 days, on XX/XX/XXXX, I contacted AFFIRM via their online Support Chat service about the status of my check, as I had not received any mail from them in the past 30 days. I received a response on XX/XX/XXXX and was assigned case number XXXX. I was asked to confirm the address that they had on file for me on XX/XX/XXXX and it was correct. I have asked repeatedly for updates from the Accounting department via phone and online Support Chat but for the past month have been assured they are investigating and will reissue my check as soon as possible. On XX/XX/XXXX, I received the response that they were unable to put a stop payment on the issued check and as it was apparently cashed on XX/XX/XXXX, they will NOT be re-issuing a refund. I have NOT even received the check from them and in addition, they are claiming that the check in question was cashed an entire month before they supposedly even mailed it to me. I have requested a front and back copy of the issued check to confirm the endorsement but they have been unable to supply the results of their investigation and I am still out {$2900.00} for a product returned months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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:
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Most recently I've been back and forth to XXXX. because I had XXXX XXXX XXXX and so it took some time off. vacation with my girlfriend and her family. With my XXXX XXXX I kind of spaced out. with my finances and I looked up at the end of the month and all my credit cards were maxed out which was kind of strange. And then as I started looking through payments and charges they were several that I didn't recognize and prices that I didn't approve. Due to the trauma from the accident I didn't really know or pay attention to the amount I have spent. So now I am unsure? I'm bank account I'm unsure, its empty, on my three Capital One accounts and I don't know. And I don't know ifget anything else is left to take! I was hoping that you guys could keep a fraud alert on my credit, and help me with dealing with my bank and Capital One is far as unauthorized purchases on my account I need yall 's help! I've been working for years to get a good credit score and now it's gone down it! and I thank you for helping me God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

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 2022-03-09 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: FL

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I received a letter on XX/XX/XXXX stating that I owed {$620.00} to XXXX XXXX, XXXX XXXX ACCOUNT NUMBER # XXXX account number is fake and United Collection Bureau , Inc is in violation of 15 USC 1692j ( A ) and 15 USC 1692f ( 1 ). They have also stated that on paper that " This is an attempt to collect a debt by United Collection Bureau , Inc., a debt collector, and any information obtained will be used for that purpose. '' This is a violation of 15 USC 1692 ( b ) ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; United Collection Bureau , Inc communicated on paper through that I owed a debt which never got to me but someone else other than me this is a violation. I've sent United Collection Bureau , Inc a Invoice, Affidavit of Truth and a Cease and Desist with exhibits showing how many times they violated me and they just sent me another later when they were not suppose to. United Collection Bureau , Inc 's new letter entails another debts with the wrong amount, wrong original creditor i.e. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
Hello, I am contacting you about my loan servicer and them not furnishing me with important documents. I received a call on Sunday, XX/XX/XXXX about making my mortgage payment. 

I got a letter on XX/XX/XXXX stating that I was approved for COVID-19 relief. In that letter, it states that documents were supposed to be sent to me within 15 days of reciept of letter. It is now XX/XX/XXXX and I have yet to receive said documents. 

During my call Sunday evening, I was told that I needed to pay to meet the conditions of my relief, but how do I know what to pay and terms to agree to? I feel that by paying, I am agreeing to the terms of a contract that I have never seen. How can that even be legal? I have dealt with Loancare long enough to know that I need to see everything in writing. 
Loancare is the reason I am in this mess. When I paid my first or 2nd mortgage payment, they told me that it was late because I paid it on the XXXX of the month. I was told last night that there is a 15 day grace period where I wouldn't be charged a late fee and my payment was denied because late fees were not included in my payment and they didn't take partial payments. You can see for yourself in XXXX. I have been going through this ever since. 

I was told to call back on Monday and ask for a supervisor, but I never got through to anyone. I haven't gotten through over the phone, so I've been sending emails. I haven't gotten any email responses either. 

I've had enough with Loancare and I would just like to have my documentation so I can resume my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence Resource Manage no date shown on credit report for the amount of {$500.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Kikoff Inc.
State: VA

Complaint narrative:
A company called Kikoff says that Im two months behind in payments for {$24.00} per month. I have never heard of them. I have a perfect payment history since Ive been in XXXX. I have contacted them and told them this is fraud and to close the account. My credit score dropped XXXX points. The do not have a phone number. Only an email address. 
Id appreciate your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have an account with capital one bank and I was depositing a Government check! I was given the impression that the check would be available with XXXX hours. But It wasnt until after I went through the process and I endorsed the check that I was told that it would be nearly 7 days until I could get the funds. I understand banks rules but if its a longer wait, a customer should be given the choice not to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have 3 negative accounts reporting with Navy Federal Credit Union. The accounts in questions will be attached to the following CFPB complaint. There are multiple payments reporting late on three different accounts. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: FL

Complaint narrative:
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.

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 2022-03-09 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:
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I have a cash app bank account that was fraudulently charged multiple times by two companies. The 1st fraudulent charge was on XX/XX/XXXX XXXXXXXX XXXX  2022 and XXXX XXXX  is the company that charged me {$1.00} that did not go through. Following that charge a company called XXXX XXXX XXXX charged me for numerous amounts of transactions that drained my account. I have pictures which show a list of the fraudulent charges and their amounts. Some transactions went through and some did not. I have not lost the debit card that goes to the account or given out my information. I have contacted cash app numerous times concerning this matter and they did refund a small amount of these transactions amounting to XXXX something dollars out of the XXXX approximate dollars that were stolen. I have never spent money with any of these companies nor do I spend money that frivolously. Cash app 's website says that your money will be secure with them but that has not been my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: LEXISNEXIS
State: NJ

Complaint narrative:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an XXXX XXXX and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NC

Complaint narrative:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX  Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : XXXX Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I asked this newsletter to stop emailing me many times, and they refused. They basically dared me to stop them. XXXX XXXX  Act issue.

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 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My home was being livid by my mother who had a mortgage prior to my parents transferring the deed to my name. 
When I noticed it was in foreclosure my mom did not know what I was talking about ( she is XXXX ) and I began talks with wellsfargo which told me that I should speak to our mediators XXXX XXXX After I spilled my heart to XXXX I found out they were sued for a misrepresentation issue. XXXX I decided to talk directly to wellsfargo because XXXX  had vested interest in the bank. I asked if I could get a loan in my name and they never helped just said no. I told them that the home has an adjacent lot which my father included into the property description, that if sold I could pay almost all the debt. ( interest only mortgage for XXXX and owed at that time XXXX ) they said no which is not right because I can separate the lot and it will kit affect at all the property value as for mortgage purposes. Wellsfargo just wanted me to transfer my home to my mother so they could foreclose. This home was given to me and supposedly free and clear as gift for me donating my XXXX to my older brother and trasferencia my house to him when he was unemployed and almost homeless.

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