vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 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: PA

Complaint narrative:
In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.

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 2021-06-26 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: PA

Complaint narrative:
In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I pay my car note every other week. Last year they started applying my extra payments as principal only. I have to reach out to them every other week about my {$190.00} payment to be reallocated towards the next car note due. I asked for the latest payment to be reallocated and they said you can't pay more than 3 month 's in advance. I asked if they were refusing to reallocate the most recent Payne from XX/XX/XXXX and they will not give me a clear answer in writing. I have always had my car note paid at least 2 month 's in advance because you never know what will happen. The car note has been paid in advance since 2017 when the loan started the last year of service has been awful with them changing the terms and conditions in the middle of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called the redemption department of chase auto finance today and requested relief options. This is due to the " XXXX XXXXXXXX XXXX Collapse, fema disaster code : XXXX Incident Period : XX/XX/2021 and continuing. Declaration Date : XX/XX/2021 ''. My vendors in this area of XXXX are out of service. This XXXX directly is impacting my business and we have no eta of when it will be open. Over 100 people are XXXX  and feared XXXX. There is no eta for when it will be resolved. I requested a 1 month extension today by phone with the redemption department. Please note as stated this has impacted me and please give an extension. Thank you. 

Also, I for some reason am in a " special collections unit '' even though my account is current. The supervisor I spoke with today in the redemption department advised to get out of this department and to receive normal service again I would have to request it in writing or by phone. Yet again, poor service and no callbacks or good service since being assigned to this department.

1 ) Please explain why I am in special collections unit and how I can go back to normal good faith handling?

2 ) Please confirm receipt of the request to skip a payment from the " redemptions department '' who I spoke with. I talked to XXXX  and her supervisor who said they submitted this request today. Please confirm receipt and extension of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2021 I logged into my Venmo account to find there had been nearly {$500.00} in fraudulent online charges made on my account. I immediately contacted Venmo to cancel them and was told I had to wait until they were no longer pending. I immediately contacted the vendor after I searched for them on google and requested the charges be reversed but was unable to reach a human. 

The charges have been reversed and yet my account is still frozen so I am unable to pay and receive payments such as child support. I have reached out via chat but keep getting told to wait for an email that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested a method of verification on XX/XX/24 and have not gotten anything back. No updated letter with investigation results, no name, phone, or address advising who verified any information. I then sent in a letter disputing account information. I finally get a letter saying they updated the account. How did you update the account with no method of verification. It looks to me the account was updated wi try information I provided and I asked the wrong information be deleted. This is a violation of the FCRA. How can you update something and not provide method of verification.

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 2021-06-26 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: OH

Complaint narrative:
For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law. 

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law. 

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: MN

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 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans Union would not allow me to gain full access to my credit report because I have initiated a freeze with this company for failing to deal with the disputes of inquiries in the past. Today, I was able to only initiate a dispute through their DISPUTE website PAGE when I realized that there is inaccurate information being reported by my credit union. In an effort to dispute BOTH accounts that are inaccurately reported, Trans Union would only ALLOW me to initiate ONE disputed account at time and their rules require that I wait the full 30 days before another dispute can be initiated. This rule prevents me for having full access to accurate information being reported by them.

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 2021-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I was approved for a FHA XXXX fix up loan of XXXX. From PRIMARY RESIDENTIAL MORTGAGE XXXX XXXX PA. I never asked for it although they seemed very helpful and wanting to give to me. They have all my bank statements of 7 months up to date last week along with taxes for 3 years. My credit was good XXXX and they knew from beginning I was contract labor. 15 years same company in fla to move to same company in Nj. I have plenty for down payments and move. Paid inspector etc. To then add Mom to loan to all being better and sent to underwriter. All good. We have a contingency contract with my place on a place in nj. 60 days to close. Now 30 to pull my credit and Mom 's again 3 days ago along with bank statements to that day. Told all good to ne t day dropped. Telling me I need to have paychecks and rent in nj for 6 months first.?? Contract labor?? From beginning known I paid off moms XXXX dollar loan for this and almost XXXX car note they wanted to tell me this. Im beside myself. They dropped my credit points low from repulling to dump me. I emailed corporate to them tell me I'm contract labor stuff again. No kidding. They knew from beginning. I have a work letter new job. But I live in fla. Hello. This is outrageous. Has left me searching for a loan to hopefully get my dream house back home. please help. Sincerely XXXX XXXX. I have all dates etc. Anything you need. Don't use PRIMARY RESIDENTIAL MORTGAGE

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

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 2021-06-26 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:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: DE

Complaint narrative:
I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
An unauthorized money transfer on XXXX ( XXXX ). Two separate people same amount on " Paypal credit '' {$77.00} for internet for one, {$77.00} for insurance payment on other. Told them didn't by internet, insurance Contacted support an they denied my case on XXXX ( XXXX ) I have been with Pp for years and have told them never sent money to anyone. Pp says no unusual activity. This my second complaint for them in XXXX. They keep sending money and I can not shut it down. They will only put limits on $ XXXX Can not speak to a person. All computerized.

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 monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to contact equifax via online and over the phone to report identity theft And they are not willing to freeze my credit or assist me with potential fraudulent i formation or inquiries.

Company response to consumer: Closed with explanation