vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nationwide Capital Services, LLC
State: WA

Complaint narrative:
I do not recall taking this loan out. I also had a CC that somebody fraudulently opened around the same time. I did not receive money for this loan. I did try to call them but they were very rude and insisted since my social was the right number it was me that took the loan out. I have never taken a pay day loan in my life. I did not receive this money, they said that somebody also paid on this loan, I did not.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
They deleted it from XXXX, but I realized it IS still on equifax. I tried to secure message them with no response. I sent a second message stating i would file a second complaint if it was not resolved. 

My loan was opened on XX/XX/XXXX according to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion and equifax that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the fresh start program and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus ( Exp and TU ). This is preventing me from accessing necessary credit that I DO qualify for. 

The day it was removed from XXXX I was approved for a new CC. 
I need this off of my equifax report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/24 i sent equifax a letter in regards in a collection that is reporting currently to my credit. they ignored my request and it has been over 30 days and have yet to response to my matter at hand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
As of XX/XX/year>, I owe a reinstatement balance of {$93000.00} on my account with Foreclosure sale date set on XX/XX/year>. In an effort to bring my account current, I applied for assistance through the XXXX XXXX XXXX XXXX, which can provide up to {$80000.00} in assistance for past-due payments. However, to qualify for this program, my total balance must be below {$80000.00}. 

To achieve this, I contacted Shellpoint to request permission to make a partial payment that would reduce my total balance below the {$80000.00} threshold. Unfortunately, my request was declined, and I was informed that Shellpoint would only accept a lump sum payment of {$93000.00}. 

Furthermore, when the XXXX XXXX XXXX XXXX requested a full reinstatement balance, Shellpoint provided a significantly different amount of {$100000.00}. When I pressed for a correct quote, Shellpoint provided yet another amount of {$99000.00}, valid through XX/XX/year>. It is deeply concerning that within a span of just five days, from XX/XX/year>, to XX/XX/year>, my reinstatement balance jumped from {$93000.00} to {$99000.00}. 

I believe that Shellpoint is intentionally hindering my efforts to bring my account current by refusing to accept a partial payment and by providing inconsistent and inflated reinstatement balances. This conduct suggests an unwillingness to work with me in good faith and a desire to push my property into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
HI..I am XXXX XXXX XXXX on XX/XX/XXXX. My Ally credit card took my payment that I sent before my due date of {$120.00} in XXXX. And then took {$67.00} on my due date which was the XXXXwhich caused me to have a negative balance in my checking account.My bank reversed it for me and now they won't let me pay with my checking. I called them and they won't help and told me I could use a savings account which has almost no money in it because I am just making it with help from family at times.I didn't realize they would take out my recurring too because I already paid earl in the month. I am already in debt but have always paid on time. I think this is awful because I am deaf and no car anymore and can not get around. Today they said I can mail a check? This is Crazy and not right. 
Yours truly, XXXX XXXX I don't even want to pay them because the interest rates are killing 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 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
In XXXX XXXX XXXX I purchased a car for XXXX and some change. Santander took the loan and charged me a high interest rate. The loan total at purchase was a principal of {$34000.00}. In XXXX XXXX and XXXX extensive hail damage in Colorado totaled the vehicle. It was then processed as a total loss, made in two payments totaling to {$20000.00}. This was paid in XXXX. on XX/XX/XXXX GAP insurance paid {$10000.00}. To date I have paid {$5600.00} in payments, and been charged an additional XXXX in interest. To date the bank has been paid {$36000.00} on a loan that was {$34000.00} for early payoff at day of loan creation. They are now attempting to charge me {$1300.00}. They also have had employees at not just their bank, but their ownership 's bank and other subsidiaries ( XXXX Santander, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX ) reviewing my XXXX profile, calling and asking me to confirm my place of work and dwelling, and this was a consistent practice since informing them I had a total loss vehicle until I called and filed a complaint with management which took about 6 hours of being hung up on and being placed on hold and hung up on before I got through to one to complain about this intrusive activity. It has not happened since I reported the activity, and the activity took place after every phone call I made to them despite them claiming it was not happening. I am also reporting Santander to the FDIC, as well as XXXX  and FBI on these intrusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NJ

Complaint narrative:
NetSpend Skylight One had blocked my card due to suspicious fraud that is system-based. I had indicated numerous times via phone that I have been in possession of the card. In addition, it is impossible for fraudulent transactions to have taken place. A representative indicated when I called that it is system-based. I had received the link for their verification process. However, their link had demonstrate an error. Please find attached the error when attempting to access the link. I requested numerous times to please remove the restriction. I am filing a respectful complaint because the business is not complying while their system demonstrating the presented error. I seek for the restriction to be lifted upon complaining and without going through the verification process.

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 2024-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard, LLP
State: CO

Complaint narrative:
I was paying back a debt collector- Nelson & Kennard. I was making regular payments and I couldnt pay one, so they stopped charging my account without communicating that. Then months later randomly charge my account for a little over {$1000.00} with no notice that Ive received. No email, letter, texts, call or voicemails. They drained my account to nothing right after I got paid and I cant afford gas for work, or food to survive. Im more than okay trying to pay off this debt, but when you garnish my account to nothing and I cant afford to make more money, or live for that matter it becomes a bit bothersome. I get that I have a debt that needs to be paid, but this is not the method. I owe {$2000.00} and they take 1/2 of it in one go with no notice? They call themselves lawyers, but sure doesnt feel like theyre acting on behalf of the law, feels more like the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX I lost my job XX/XX/2023, XXXX of 2023 I was back at work and I want to state that I want to keep my home. I paid {$5000.00} in XXXXXXXX XXXX XXXX I was told to apply for mortgage assistance program which I did and they approved me and Select Portfolio Servicing wanted me to pay {$5200.00} a month and I explained I would not be able to afford that amount. I told my relationship XXXX I wanted to make a {$9000.00} payment to get that monthly amount down. My relationship XXXX said I could cancel and reapply and I was told that may lower my payment, I made the {$9000.00} payment and cancelled the old assistant program agreement. Now Select Portfolio Servicing is telling me they can not and will not work with me to get my mortgage current. I have more money that I want to pay but Select Portfolio Servicing is telling me the only thing I can do is make a full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO
State: NM

Complaint narrative:
On XX/XX/24 I initiated a {$500.00} transfer to Popular Direct Bank. I could not log into Popular Direct probably because of an IP address issue as I was out of state. I logged into XXXX XXXX XXXX in XXXX, IL and used their website to start the transfer. Consumers has no record of me transferring this money. However, Popular Direct took out the money and sent it to " XXXX XXXX ''. Their usual transfers go to " XXXX XXXX '' or " XXXX XXXX ''. Popular Direct told me they had other customers with ACH issues that day but despite it being nearly XXXX weeks I feel they are not properly responding to my complaint. I asked them on several occasions which Federal agency I could complain to and they refused to answer this question. Note there was also a {$500.00} transfer on XX/XX/24 from Popular Direct to XXXX which was successful. These are XXXX different transactions. XXXX can not help me at all as they have XXXX record of the transaction on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX 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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have a checking account with Chime and over the past few or so months to a year I have had disputed multiple transactions due to fraud or unauthorized use on my account. I had filed four different disputes to try and obtain the funds and have Chime credit the funds back to my account but each dispute was denied. Some of the disputes were closed within 24 hours which is very suspicious in my honest opinion. Over {$2000.00} was taken from my account over the past few months to a year. Dispute numbers will be included below, # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One has refused to comply with The State of New York 's 25 % interest rate on New York Based and registered Banks for which Capitol One is a State of New York Based entity operating as a financial lending institution. 
A payment of {$110.00} submitted to Capitol One ( the required payment request from Capitol One as posted on the bill ) applied {$22.00} principle towards the account holder bill and the rest in interest so the account holder only gets {$22.00} credit for a {$110.00} payment. 
The Account will take over 20 years to pay back {$3000.00} This is predatory lending and does not comply with New York State Banking Laws. 

Capitol One Has refused to adjust or correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # xxxxxxxxxxxx XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX : # xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 ( A ) : States I have the right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) Section 2 : It also states a consumer Reporting Agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Executive Office, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the Chase Credit Card. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-04-22 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-04-22 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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