vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested, also the name XXXX XXXX XXXX XXXX appearing on your XX/XX/XXXX letter confirmation # XXXX is incorrect. On my letter dated for XX/XX/2020, I included a copy of my California driver license and a copy of my Social Security card, as I also have included a copy along with this letter to you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My supervisor contacted me alerting me that a debt collection company has been calling repeatedly trying to reach me regarding a debt. They were told this is not allowed and it needed to stop. They did not. I called them and told them myself you can not call my job or I could get fired.They said they would stop but they havent. They still call all the time. The company in question is midland funding llc. I dont have dates because its been weekly for the entire year. They have my phone number and address on file but claim they dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank is a deeply negative crooked scam company that does nothing to help their customers. I had an account 4 months, noticed an unauthorized transaction and emailed XXXX they sent a new card with a hold on my account once I got the card I activated it and immediately was suspended on their section 9 that states they basically can close your account for no reason WITHOUT A REFUND!!! this is an absolute outrage, Ive had my unemployment and sba loan saved up after our business burned down in the wildfires in California. This is not legal for them to take away covid 19 disaster money, especially during a pandemic with XXXX children that need food and supplies Ive gotten 4 different emails telling me different things, so confused and overwhelmed by frustration Ive sicken my stress into XXXX and had to rush to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital One on Fri XX/XX/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if they could send it electronically to my bank. They said no we have to mail you the check. It's about {$90000.00} so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named XXXX and on another occasion I spoke to a supervisor named XXXX. Today I talked on the phone with an associate and she elevated it to XXXX, then he elevated it to XXXX and then she elevated it to XXXX. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail ( they said they can't email it ) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor XXXX admitted that they are supposed to XXXX   all checks over {$50000.00}. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of {$4.00} interest a day which is what my CD was making and thus far I have lost well over {$100.00} in interest waiting plus an opportunity to deposit the money in XXXX and get a {$300.00} bonus on an offer that has ended. I am at my wits end. I desperately need this money to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ive been disputing this card since 2017 this account was opened fraudulently Ive filed a police report Ive filed a FTC AFFIDAVIT which Ive sent to both credit bureaus and wellsfargo and they still continue to report this to my credit report i do not know what else to do Ive done everything required by law to correct this problem but i cant seem to get them to correct the problem

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 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XXXX stated I had renewed a contract and terminated early. I did not renew any contract because I did not want to upgrade my phones since I'd be switching to XXXX, who was my employer. 
I have asked XXXX repeatedly for the signed contract but they said they don't have it. Instead they sent me a copy of the bill. Convergent Outsourcing stated XXXX did not give them proof of signed contract, they too only have a bill.

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 2020-10-21 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.

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 2020-10-21 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: TX

Complaint narrative:
I have tried numerous of times to contact the creditor to let them know I have some inaccurate accounts on my credit profile. This is really impacting my life in a very negative way and I am stressed out and do not no what else todo. I would like the accounts to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: HI

Complaint narrative:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Me and my spouse acquired this property of my dead uncle about 8 months after he passed.wemoved in around late XXXX cleaned up had utility on in my name and started fixing up the places little after two months we started getting notes on the door stating we're not supposed to be there. I also had please in my name so afterwards we were getting harrassed by people coming to the door posting notices. Notices we responded to pretaing on how to fix his my uncle 's mortgage. He was not that much behind hed passed so Bill 's started to pill.Meanwhile I had to start going to court and after a while of going to court with affidavits declarations and documents pertaing my stay we still got kicked out. They arrested me on probable cause I was in for a month when I get out all my belongings everything I ever owned even my registered dog was gone disposed. I had still leaves in the house and all my property was still in there there was no certified documented thru courtsnotice or nothing informing me of a kickout or throwing my belongings away pursuant to NRS.  Meanwhile the case is still open. They say XXXX XXXX XXXX was the trustee while along I'm having civilian who say she worked for XXXX XXXX  ( XXXX ) come to my house call police and I literally watch them when I got kicked out start cutting wood and board up my place along with them take several of my work tools money and property. My house was also my home business registered with the state of Nevada. Companies involved Innovative real estate strategies XXXX XXXXXXXX XXXX XXXX  dba XXXXXXXX XXXX  not individually but trustee for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I took delivery of a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. My salesperson was XXXX XXXX and the finance director was XXXX XXXX. I was having difficulty acquiring a loan with my XXXX XXXX XXXX as a trade. I spent several hours over 6 days, working with Mr. XXXX. I could not get a loan with my XXXX XXXX incorporated in the purchase. I was told there was too much negative equity. I asked if it would be a better chance on getting a loan approved if I selected a new vehicle. I was told it was possible. I was shown the XXXX XXXX XXXX by Mr. XXXX. After I looked at the vehicle, I was told that I could get a loan but they could not take my XXXX XXXX XXXX as a trade. I was told by Mr. XXXX XXXX to complete the purchase on the XXXX XXXX XXXX and have the XXXX XXXX XXXX voluntarily repossessed. Mr. XXXX  gave me instruction on how to have my XXXX XXXX XXXX voluntarily repossessed and I was provided with a loan from Ford Motor Credit based on this discussion. The voluntary repossession left me with a charge off debt of {$18000.00}. In XXXX, my wife requested that I return the XXXX XXXX XXXX to Ford Motor Credit. I complied. Ford Motor Credit filed a civil suit for {$6000.00}. Now, I have two repossessions on my credit ( charge off ) and owe {$18000.00} to XXXX XXXX and {$6000.00} to Ford Motor Credit as a result of the transaction with the finance director XXXX XXXX and salesperson XXXX XXXX of XXXX XXXX XXXX. I feel that it was improper for Mr. XXXX and Ford Motor Credit to offer a loan for a vehicle from XXXX XXXX and advise me to have my XXXX XXXX XXXX voluntarily repossessed, knowing I could not pay for two vehicle averaging {$680.00} for each vehicle. The payment on my XXXX was about {$680.00} and the XXXX XXXX was about {$680.00}. Mr. XXXX and Mr. XXXX knew I could not afford to pay for both vehicles at the same time and that is why Mr. XXXX told me to have the XXXX XXXX XXXX voluntarily repossessed. I feel I was targeted and mistreated by XXXX XXXX and Ford Motor Credit by offering me a loan knowing it required me have my car repossessed and eventually sustain a residual debt from the voluntary repossession as well as a negative rating on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased a product from XXXX called XXXX XXXX XXXX for XXXX. This item had a 30 day return policy. On XX/XX/XXXX, I notified XXXX that I was returning the item and it was shipped via XXXX. XXXX received the item on XX/XX/XXXX. However, I never received a credit. Since I never did, I filed a chargeback and American Express has recently decided against me. 

I've re-opened the dispute with proof of return. The dispute reference # is : XXXX I dropped the item with XXXX  on XX/XX/XXXX. The item was shipped on XX/XX/XXXX. And XXXX received it on XX/XX/XXXX which can be seen in the attached image. I fulfilled all obligations of the return and am entitled to a full refund of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.

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 2020-10-21 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.

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 2020-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ

Complaint narrative:
On XX/XX/2020, I was contacted by a representative of lender Vanderbilt homes who stated, " You are shown as a payer '' in relation to a debt owed by my XXXX and XXXX. 

I contacted supervision of the individual on the same day who admitted on a recorded call that the actions of the subordinate did happen and my name would be removed from their contact list for the debt. 

Per the representative of Vanderbilt Homes on XX/XX/2020, they would no longer contact me about a debt I do not owe. 

On XX/XX/2020, an associate of Vanderbilt Homes, XXXX XXXX, contacted me about the debt. The email states the following : " [ XXXX ] Hello, I noticed that we havent received a payment on the home loan in over 60 days. If you believe this was in error, or you are having a financial hardship, I am here to help you every step of the way. As your personal Account Representative, I would love the opportunity to speak with you about assistance options that may be  available. I can be reached at XXXX or by replying to this email. 



Kind regards, XXXX VMF WH Stack Color Logo-EPS XXXX XXXX Collections Team Leader Vanderbilt Mortgage and Finance , Inc. NMLS XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ext XXXX XXXX '' I consider this a direct violation of the agreement for Vanderbilt Homes not to contact me from my copy of the preserved recorded call with their supervision on XX/XX/2020. 

I feel harassed by a lender I DO NOT owe a debt to.

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 2020-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I had purchased an item on XXXX with my Capital one card, and I needed to return the item because it was the wrong size. When I had called XXXX they told me that they had sent me the return label of the item that I needed to return. Once, I tried to make the return, I couldnt because I wasnt sent the right return label from their own customer service center of XXXX and Capital One said that they could not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
This company XXXX put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called ERC. The account number is # XXXX with the company XXXX The last dispute letter date was XX/XX/2020 The amount is for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: ND

Complaint narrative:
In XX/XX/XXXX an account was open under my name for {$480.00}. The company name is southwest credit systems , L.P . The original creditor is XXXX. I am not responsible for this debt. I sent in letters to be disputed And havent heard anything back its been past 2 weeks. Can you please correct this information and delete it from my background. This is having a negative effect on my credit score.  Please correct the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
This company AFNI put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called XXXX. The account number is # XXXX with the company AFNI The last dispute letter date was XX/XX/2020 The amount is for {$100.00}

Company response to consumer: Closed with explanation