vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: DISCOVER BANK
State: CA

Complaint narrative:
I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : $ XXXXDate Opened : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 I made a purchase online with XXXX XXXX XXXX ( XXXX ) and opted to pay over time through Affirm. More specifically, their platform serviced the loan through XXXX. Halfway through the loan term, my debit card was canceled due to fraudulent activity. After getting a new debit card from my bank, I attempted to update my payment method via my Affirm account online. I received an error message saying the card was " invalid ''. Thinking this was due to my bank declining the card, I tried a different credit card. Same issue. 

Over the past 6 weeks I have tried multiple times to add a different card ( both debit and credit ) and keep having the same problem. I have called Affirm more than 6 times trying to get this situation fixed, attempting to speak to a manager who oversees technical issues. Each time I'm told the problem will be escalated, only to check in days later to find out the case has been " closed '' though there has been no response or resolution. I have called my banks. They all confirm that they are not declining the attempts. In fact, I have multiple Affirm loans that are currently active, with the card I am attempting to add as a payment source, that have had no issues. So the problem is clearly with their system. I am at my wits end. 

The loan is now considered " overdue '' and each time I speak with someone it's like talking to a brick wall. They keep attempting to get me to try a different card, although I repeatedly explain the main issue is that I can not add one. I keep being told my overdue status will affect my ability to use their service for future purchases. I would appreciate getting help from someone who is higher up in management and also someone who is not staffed at one of their lower tiered call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc
State: TX

Complaint narrative:
I purchased what was described as an ONLINE XXXX service from a company described to me as an Online XXXX XXXX XXXX XXXX, and when I rceived the link for the business which i paid {$140.00} for, it was not as described. 
They had a 30 Day money back guarantee, and it was because of this that I felt secure purchasing the program. 
I used a Debit card provided to me by Chime for the purchase, I complained to chime within 7days that the item I received was not as described. i was surprised that Chime denied the claim without even stating on what Grounds the claim was denied. 
The company misrepresented themselves and the Service they were providing to me was XXXX XXXX XXXX  /A XXXX XXXX instead of an Online XXXX which they said they were offering me. 
They sent me many links to webinars and i asked many questions before send ing the payment and not once did they say it was XXXX XXXX. They constantly said its XXXX XXXX XXXX or while on vacation just using your phone for a few minute per day which is what i wanted. Plus they said a few hours a day and you could quit your job with this Online XXXX because of the money you would be making. 
I asked several times if I had to sell anything and what prouct it is, and they always responded to me that no selling was required. They do most of te work for me, but when i received the link which directed me to the webinar, it was not as described. It was XXXX XXXX/ XXXX XXXX. 
I immediately Contacted CHIME about the matter and they quickly denied my claim. 
i am on Social security and i felt scammed. I dont think people should get away stealing other peoples hard earned mone, so I filed another claim to CHIME and within 48 hours they once again denied the claim which i hardly believe they reviewed thorougfhly. 
I am appealing bto you to kindly assist me with this matter, because CHIME does not seem to care about helping their client. They sem to be more interested in siding with the Vendor for whtever their reasons. 
Thank you for you kind assistance. } Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX ofXX/XX/XXXX, I cosigned on a car lease with my estranged husband, with him as primary and myself as secondary. Later the following year we filed for the divorce and he defaulted on the XXXX lease. As a result, I was forced to temporally pick up the payments and the lease was in good standing until the courts were able to intervene and force my ex-husband to agree to surrender the car and take on FULL financial responsibility for the arrears, including the late payments. After the courts assigned responsibility of the lease/debt, including the late payments, to my ex-husband I had notified XXXX XXXX and provided them the information hey had requested. 

Despite this and being able to substantiate legal responsibility as assigned by the courts, XXXX XXXX failed to rectify the issue and continued to report on my credit report, including the late payments that were assigned to my ex-husband during the divorce proceedings. XXXX XXXX also listed my ex-husband on my new vehicle as an authorized person, despite him not being listed on the sales agreement or credit application. The was a blatant violation of my privacy. It also exposed me and compromised the restraining order that I had in place against my ex-husband at the time. Of course, XXXX negligence in doing this provided my ex-husband temporary access to my account until we were able to correct the issue. XXXX not only continues to incorrectly report late payments ( that my ex-husband was legally responsible for ) to my credit report, but have also added my ex-husband 's current address ( where I have never stepped foot in, let alone lived in ) to my credit report as one my previous residences. I am asking that in light of the aforementioned, that both late payments and incorrect address be immediately removed from all 3 credit reporting agencies. I also recently paid off another lease that was in good standing through the duration of the loan. XXXX failed to report that the financial obligation was met and in good standing to the 3 reporting agencies. 

Thank you.

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 2021-11-08 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: CA

Complaint narrative:
I have disputed this information multiple times. I want this removed immediately. Pursuant to 15 usc 1681i ( A ) the federal law says when an investigation is going this account should have been removed and it never was. Also according to 15 usc 1681 ( a ) ( e ) investigate consumer report says should be personal interviews done and I have not received any of that information. They didnt do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX. 

I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress. 

This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well. 

This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month. 

My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs. 

This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage. 

I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g.

I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company. 

I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I was THREATENED by PHH / XXXX XXXX XXXX to make sure and keep my appointments with my account Relationship XXXX by phone, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. I turned down a {$150.00} job to be by my phone, as to not miss this call. NO CALL CAME!!!! So I went through XXXX and high water to call them, only to be told each tome that I had no such loan. I finally got a hold of someone that stated that I missed my call! She stated that XXXX did call me and I was not home. This is untrue as my phone is working correctly, people have gotten a hold of me all morning, with no problem at all, no caller ID as to her phone # is on it, My voice mail has NO message from her, etc. I requested a new relationship XXXX from XXXX, and they denied me of that. I asked for a supervisor XXXX and they denied me of that. I asked to have the appointment today, as I already am off work and missed {$150.00}, and they made another appointment, so I have to not work again for XX/XX/XXXX. I have asked for a statement of payments, and they have denied me of that. I have filed with you before, and they have told both you and I that they are looking into it, and have not. I have filed for COVID help and they are " looking into it ''. I will lose my home by the time they stop playing games with me. Please help me to stay in my home, and not be XXXX!!!! Ocwen their parent company has had numerous class action suits against them for the same thing, but people are out of their homes before they settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
XXXX XXXX XXXX knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX credit report screen shot to reinforce )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
On XX/XX/2021 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 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
We've had financial issues specially with the Covid-19 and have submitted the financial packet to the loan servicing company and twice has been denied. We do not want to lose our home and would like to get more information as to the reasons for denial. the only option given to us to short sale our home

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 2021-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The company XXXX XXXX or XXXX XXXX is extremely predatory. They put my loans into multiple websites that require different logins. This is unacceptable behavior that prohibits proper tracking of payments and effects peoples ability to properly pay untime and effect their scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CA

Complaint narrative:
Apparently someone fraudulently applied for an XXXX student loan through XXXX for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for Experian I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.

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 2021-11-08 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I reported to the credit bureaus : XXXX and XXXX that the account of Macys was not my account. Placed disputes for Macys with the credit bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They were all denied and were told to keep on credit report even when I provided a FTC report attached. I called the credit bureaus on XX/XX/XXXX asking both how was the information confirmed by the company and they told me to call Macys. I tried calling Macys several times on separate times and I could not talk to a representative to ask for them to provide me documentation of my signature opening the account because according to Macys I dont have the proper information to verify the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, the consumer, have been violated by the company Capital One Bank times. Capital One " Bank '' has violated has claimed they have provided credit however they only have rights to borrow, and are not an actual bank.They are forcing customers to put down cash payments for a consumer credit transaction and have continued to take cash payments in consumer credit transactions. They have proceeded with furnishing false information on my credit report. They have failed to provide me with a validation of this alleged " debt '' They used my my social for non permissible purposes and found other use for my social security number. The company was paid off but still furnishes a negative, " charged off '' report. The company has at times called me multiple times within a week threatening me to make payments and eventually sued me when not in my jurisdiction. Also, they are violating FCRA by reporting false information. They appear as " Capital One Bank '' on statements however show as " Captial One '' excluding the " bank '' on bills. According to my calculations alone I'm showing that I was violated 14 times, i'm sure there's more. However, they are in violation of 15 USC 1601a, 15 US CODE 1681 ( A ) 15 US CODE 1692 D, 15 US Code 16, 15 USC 1681n ( b ), 15 USC 1692g ( 1 ), 15 USC 1692 ( 2 ), 18 USC 8, 15 US CODE 1692B ( 2 ), 15 USC 1692B ( 3 ), 15 USC 1692H, 15 USC 1692g ( c ). This company has lied about who they are so there's no telling what other lies they have told. Capital One " Bank '' is a very dangerous well known company and this company has caused mental anguish that is turning into physical stress and is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports This LVNV FUNDING LLC is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 33 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation