vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime was offering a bonus of XXXX XXXX when sign up for a new account and receive a direct deposit of {XXXX} or higher in XXXX XXXX. On XX/XX/17 I opened a Chime account through XXXX and I completed the direct deposit requirement within 30 days. The activity ID on XXXX for this account opening activity was XXXX. Per the terms, I should have received the bonus within 60 days. However, it has been almost 90 days and I still have not received the XXXX welcome bonus points. I have tried to contact XXXX but they claimed my activity was not tracked properly in browser and they suggested me to reach out to Chime to locate my bonus. I believe the response provided by XXXX is a lie because I indeed got the activity ID which is a proof of such activity. Chime is an amazing virtual bank and I want to keep my relationship with Chime in the future. Can you please coordinate with XXXX and credit the welcome bonus of XXXX XXXX XXXX XXXX XXXX ( equivalent cash value of XXXX XXXX ) into my Chime? My XXXX ID is XXXX, if this helps. Attached is the detailed promotion terms and a copy of my bank statement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been an XXXX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.

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 2021-06-10 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: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
This company Planet Home Lending LLC has been misrepresenting themselves to be my creditor since XXXX, They never gave me a VA loan for XXXX.I don't know who they are, or where they got a promissory note from alleging to be my signature. This is the result of Identity theft of a Security Instrument. Forensic Expert report will reveal forgery of both Note and Mortgage. They foreclosed on my house in a final judgement XX/XX/XXXX, but yet updated to Equifax on XX/XX/XXXX that I never missed a payment for the same year XXXX and reported 10 months of payment for XXXX and 12 months of payments made on time in XXXX and 9 payments made in XXXX. Since I made all of these payments then why did you foreclose and leave me and my family homeless? Since the files are too large to upload send me an email address to request the forensic reports for the mortgage and note.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: NC

Complaint narrative:
Entered into a repayment agreement with initial down payment of {$2000.00} made XX/XX/XXXX. Received no written documentation of verbally agreed upon plan. Missed two payments on plan due to XXXX treatment of husband, but company continued to accept payment of verbally agreed upon plan. Initially spoke with XXXX on XX/XX/XXXX. He advised XXXX in loss mitigation was my assigned representative, but her hours were only XXXX Mon-Fri. Finally spoke with XXXX and went over entire payment history for the past 18 months. Per bank statements, we concluded the verbally agreed upon payments of {$1100.00} were not made for XX/XX/XXXX and XX/XX/XXXX, which would have left the remaining balance of the plan to be {$2300.00}. XXXX with Statebridge insisted the total amount due at the end of plan was {$3700.00}, but was unable to explain why. Statebridge had established an escrow account, although proof of insurance was provided to third party company XXXX as soon as they received knowledge of lapse of insurance. Even still, Statebridge is charging insurance via an escrow account. We went to pay XXXX property taxes, however Statebridge had already made the payment, even though they were not yet due. It was requested that Statebridge extend the existing plan and XXXX stated that would require management approval. We never received a response from XXXX or her management regarding our request for clarification of total amount due and extension of plan. Moving forward, Statebridge refused to accept payment on the account. My husband recently had an XXXX  XXXX to remove a new XXXX XXXX XXXX XXXX XXXXXXXX. Naturally, my energy has been spent caring for him. Additional financial hardship was experienced due to the global pandemic, as we cared for our grandson while he was recovering from XXXX. We recently received a letter from XXXX XXXX XXXX XXXX located in XXXX XXXX, Georgia and a letter of notice of hearing regarding foreclosure action on XX/XX/XXXX. We have made several attempts to get in touch with Statebridge via telephone to only be left on hold for hours at a time, and then disconnected due to service issues, with no one ever answering the phone or returning our calls. Information found on website is sorely lacking, leaving us bewildered to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
I called XXXX  today XXXX XXXX I spoke with an representative. I mention to him my rights under USC 1692 stating that I did not owe debt on my collection account. I also mentioned that this information was false and it was not my debt. The Representative pulled up my account and stated to me that the debt was verified as being mine. I mention to him according to USC1602a that I was an administering agent of my credit card ( SocialSecurity Card ) and that I do not own any debt attached to it. I also have to return this SS card at the SS Administration request.I mention to the representative to lookup USC18 A it will provide him the information I was giving him. He mention that the debt was verified. I mentioned to him that according to USC15 1681e to investigate a debt or verify they needed to do an investigation. They, never have investigated with any neighbors, friends and associates of mine the consumer. At this point he told me to hold on the phone i waited on the phone And he never returned. The phone went to another representative, and I explained the same to this respresentative he was very hostile towards me telling me that the debt was mine and thats why its on my report. I stated to him according to Usc1681b ( a ) According to written instructions, that I never gave Experian any written permission to furnish any information on my credit file. This agent placed me on hold then the called was dropped.

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 2021-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 at XXXX. XXXX XXXX called and was immediately aggressive when I asked him what the call was about. Continued to talk over me and when I asked him to send a debt validation to prove it was my debt he said that it was sent XX/XX/2021. However, the debt validation that I received was not from him or his company. Because this is a new company I am entitled to a new validation because I am not familiar with them or the debt collector. I hung up after he tried to tell me " You got ta pay this debt or else.. ''. After, I called back in which he picked up to confirm company information, I wanted an address and the address that they accept mail to then patronized me by saying " Smarter people looked it up on XXXX '' then said that I was a " college dropout. '' This is behavior that is unacceptable especially when I didn't give him a reason to respond the way that he did. I also asked him to send the validation to the address that is on file and he was mad I didn't want to give personal information on the phone. Also, I never verified my social security number ( last four ) and he still proceeded to tell the alleged business of mine to an unverified ear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I requested a payment extension for XXXX and XXXX, assuming the bill would be due in XXXX. I was given the extension for XXXX and XXXX instead, bringing my balance to XXXX to be double what is supposed to be and shocking me. I have tried calling XXXX and get hung up on multiple times. I do not need this to report late on my credit report and you have been ignoring my request to change the due date multiple times already. Awful customer service. You are going to ruin my credit score. Late charges too but was told I wont incur late fees until its 10 days past due. Not receiving statements in the mail on time. Can not speak to anyone. I want this late fees removed and do not report my payments late! Change my payment due date as well. Terrible. Will never buy XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Last year I discovered a false account with Capital One reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Capital One denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Capital One refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
I NOTICED ACCOUNTS ON DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS 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 explanation
Consumer complaint received 2021-06-10 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: Driveway Finance Corporation
State: WA

Complaint narrative:
I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with Driveway Financial. As soon as I found out there was a balance on this debt, I started issuing {XXXX} payments to Driveway Financial in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead Driveway Financial has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that Driveway update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime Credit Builder Account Resolution of disputed transactions Amount of time allotted for reconciliation Excessive paperwork given hardship ( XXXX XXXX, lacking adequate coordination to file repetitive accusation Hotel bookings directly with hotel, no return of deposit, no price match given guarantee, and discrepancy of policies for deposit, available services VS limited services during pandemic ) Communication open and easily accessible- see histories of accounts. 
No update from Chime No open communication regarding reconciliation process though guaranteed No acceptable processing time frame ( given multiple times and reasoning when made aware of personal hardship numerous times )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: NV

Complaint narrative:
I have never done buisness with companies such as XXXX Equifax, XXXX, ECT. Not have I ever given them my social security number, yet they all hold records in their vulnerable insecure systems linking my name to my social security number. I never gave any one of these companies notice of my social security number, or the permission to store, share, sell, report on, ect. the fact that they not only store this information, but readily offer it to countless others, solely in the name of profit, constitutes identity theft. I demand, diplomatically for now, that they each cease and desist these practices immediately as it pertains to my sensitive personal private information. Please make no mistake, this is not a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
1 : What is this complaint about? 

This is in regard to an available credit freeze after a payment. 

2 : What type of problem are you having? 

I recently opened the card and used it to pay for part of a large purchase. I used this card because I wanted to earn the point in the store it's associated with ( Bass Pro Shops ). I paid the balance down by {$100.00} before the due date in order to use the credit card again for more points on the next purchase but it turns out that the hold is in place from XX/XX/2021 until XX/XX/2021. I have made no other purchases and paid my first payment early, so I do not know why the hold is in place. 

Step 3 : What happened? 

I contacted Capital One in order to ask about the hold. I asked 1 ) why it happened -- they responded " there are several factors, '' but couldn't list any factors when I dug deeper 2 ) is there any way that I can request the hold to be lifted sooner -- they said no 3 ) who monitors and applies these holds -- they said they didn't know 4 ) how do I file and official complaint -- they responded that the supervisor I spoke with would escalate the complaint and offered no proof that it was in fact escalated Step 4 : What company is this complaint about?

Capital One on behalf of the Bass Pro Shops credit card Step 5 : Who are you submitting this complaint for? 

Myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: PA

Complaint narrative:
I was doing my bi-weekly check in on my consumer report and i discovered inquiries fraudulently tainting my report. Im devastated please remove these 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 explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
I called them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: PA

Complaint narrative:
So, long story short I had bought a large cage for my small animals that costed around {$300.00} from XXXX, since I knew I had other bills coming out, I applied for a loan through XXXX  that would bill me monthly until it was paid off. Once I had realized I could pay the rest of it off in full, I did. About 2 weeks after it was paid off, I had noticed my Fico credit score on Experian drop by almost 50 points from very good to good! I am so upset over this as I need a new car and a great credit score and Ive been working so hard to keep it that way. I have proof it was paid off EARLIER than it was supposed to be, and yet it STILL went against my credit as an unpaid loan. Ive called the customer support and they have been of no help and also filed a dispute through Experian, which somehow didnt end up going in my favor.. I want my credit score brought back to its original state asap, and I want Experian to get better. I have no late bills and I dont deserve my credit to be tarnished like this when I paid a large bill off EARLY.

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 2021-06-10 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over the 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: AZ

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Bank of America stated they would provide my XXXX XXXX  business with a secured credit card attached to a cd account that would report to XXXXXXXX XXXX  XXXX. They informed me that at the XXXX month my account would be eligible for a non secured credit card but I would need to call him. XX/XX/XXXX, I called in and was told that it would need to be approved first before I can get the credit card. I advised them that I was mislead and demanded my money back. They refused stating because it was attached to the cd account they couldnt do that until maturity which was now 12 months and not the 7 months as promised. I was furious but decided to wait the 12 months. I received a letter in the mail fro. Bank of America XX/XX/XXXX stating my maturity date for my CD was coming up and if I did not act they would automatically enroll me into another 12 month plan. I contacted Bank of America and explained that I wanted to close my cd since it was now at maturity. I was told that I couldnt close it until I paid the balance of. I paid the balance off and called back to close the account they then told me that I couldnt close my XXXX account because its a non profit and I am not listed on the account. This was not possible because when I opened the account I signed all the necessary documents. I signed the letter anyway. Now when I call to close the account they tell me they need all the officers to sign a statement when there are no other officers in the business. Ive demanded they close my account and give me my money back but back of America refuses to close my account or refund my money.

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 2021-06-10 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: PA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have been an AMEX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.

Company response to consumer: Closed with explanation