vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Someone created an account under my name with Affirm, Ive contacted affirm on 2 different occasions and they take months to come back and say Im responsible for these accounts. They are 2 different accounts, theyre stating that I received products from them, Ive never made a payment, never heard of them until they showed up on my credit report. Ive made a police report, Ive filled out their disputed documents, theyve confirmed the card making payments was not mines but Im still responsible. Which I dont understand. I thought this was done, but I went to purchase a home and my lender contacted me and these particular accounts, again that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted both Trans Union and XXXX regarding several inquiries that are reporting on my reports respectively that were not made by me. I have mailed in disputes and spoken to each credit reporting agency several times over the phone and I am unable to get any form of remedy from those efforts. 

I have also filed the FTC fraud report as instructed and sent that in as well and they are still reporting. This is a violation of the fair credit reporting act. I need these removed immediately as they are a defamation and misrepresentation of myself and or affecting my credit worthiness causing me actual monetary damage in the form of denials and also higher interest rates. 

Listed below are the inquiries I am referring to, listed XXXX credit reporting agency. Please note that not all of these are included on the FTC report as some of them have occurred after the report was made. 

XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX CARD, Inquiry Date : XX/XX/XXXX TRANSUNION XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry XXXXate : XX/XX/XXXX XXXX. XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2021-10-15 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: TX

Complaint narrative:
My credit report is being used improperly

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 2021-10-15 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:
Comenity Bank opened up 4 accounts in my name for someone and it it appears on my XXXX credit report. XXXX is suppose to ask security question to verify that the person is indeed me and now they wont remove the accounts because they say they are factual. They are not. I notice it when i tried to removed a address that i never occupied and it say those accounts are linked to a XXXX XXXX address. I want Comenity to bank and XXXX to do their job. Anybody could call or go online to open an account as anyone they have no proof that it was me and im having a hard time removing this because these companies failed to do their job in verifying if a person indeed who they say they are. Please remove the following accounts as i will be taking legal actions Express opened in 2016 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In early XX/XX/XXXX, I rented a vehicle from XXXX in XXXX XXXX. When I arrived to pick up my confirmed reservation, no such vehicle was there, and I was told I could only take a substantially different/ lesser vehicle ( the book value about 35 % of the one I reserved ). The total rental was for around {$680.00}. When the vehicle was dropped off in XXXX some days later, the XXXX facility refused to provide any receipt. Instead, I noticed a charge on my Bank of America credit card for {$1200.00}. I immediately filed a dispute with Bank of America. On XX/XX/XXXX, I received a letter from BofA that they were " working on [ my ] claim '', and there was " nothing [ I ] need to do right now- we'll give you an update as soon as we complete the claim process ''. 

Having heard nothing further in 5 months, on XX/XX/XXXX, at about XXXX XXXXXXXX XXXX, I called BofA customer service to find out the status of my dispute. After being shuttled around by various, completely unhelpful agents, I was finally told, some response had previously been sent to me ( nothing I ever received ), that they could provide no further information concerning what that response had been, and I would have to telephone their " merchant relations '' dept. the following Monday, as said department only operated M-F, XXXX XXXX XXXX  ( a bit odd for a national bank having its roots in California ). Adding more insult to injury, the BofA representative could not even provide a direct contact phone number for their " merchant relations '' dept. 

It is beyond absurd that a national bank, doing business in all four time zones, can not provide the most basic of information to a customer who has previously disputed a charge.

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 2021-10-15 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: TX

Complaint narrative:
My credit report is being used improperly

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report is being used improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: VA

Complaint narrative:
On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Not my acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: LEXISNEXIS
State: TN

Complaint narrative:
I obtained my LexisNexis credit report. On my XXXX credit report this needs to be removed from my credit file. This was removed from my XXXX XXXX XXXX because incorrect information. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The United States Bankruptcy Courts Western District of Tennessee have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies that i attach to my letter, nor do they ever validate and/or confirm public records also this dates are wrong. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the United States Bankruptcy Courts XXXX XXXX  of Tennessee confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need this bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I had to issue an initial complaint with the CFPB in order to get Axos to issue me a refund for {$410.00} that was debited via an autopay from my account on a loan that no longer exists ( was paid off 2 weeks prior ). Now I'm issuing another complaint because the refund check they issued bounced with my bank. I have now incurred a return fee. I've tried calling Axos and no one picks up. I'm on hold for what seems like forever. I also opted for their callback service 2x and no one has returned my call. Poor customer service. 

I need them to issue a new check and ensure funds are available this time or to ensure whatever caused the initial rejection to not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I just came out from forbearance start paying and instead of my partial claim modification they start charging the past due I contacted them several times but issue still existI

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX, 2021 - My mortgage payment ( {$2600.00} ) was submitted to XXXX XXXX 3 XXXX, 2021 - My mortgage payment posts XXXX XXXX, 2021 - Specialized Loan Servicing ( SLS ) purchases my loan from XXXX XXXX XXXX XXXX, 2021 - I contact SLS to arrange payment for XXXX XXXX. SLS representative tells me my mortgage will be 30 days delinquent XXXX XXXX, and I will be reported. I explain there is a mistake and attempt to make payment, the representative hung up on me. I called again, was able to make payment. SLS maintained I was delinquent. 
XXXX XXXX, 2021 - My wife and I call multiple times and are hung up on, and given incorrect, conflicting statements from SLS. SLS does not acknowledge the XXXX payment was made. We provided a copy of my bank statement showing payment was made. They do not acknowledge the error. 
XXXX XXXX, 2021 - I notify SLS by certified mail of the error. 
XXXX XXXX, 2021 - XXXX receive a letter from SLS indicating I would need to mail a different office. 

I have attempted countless times to notify SLS of the error in my account. I have requested a corrected loan history showing correct application of payments and calculation of interest. I have received no acknowledgement or commitment to correct the situation.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. 
I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sent a letter to Capital One Bank USA N to validate a false debt that they put in my name and has been negatively effecting my credit report, it has been over thirty days since I sent the first letter which they have failed to respond to with a validation, they continue to send me emails about updating the my information since they do not have the proper information on my to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: NY

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible, this inaccurate information is preventing me from purchasing a home for my daughter and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
Scammers got a hold of my account they took most of my social security benefit in XXXX of 2021 I contacted the Direct Express Debit Card Company it takes an hour and a half to reach somebody I've attempted to reach them on multiple occasions having to wait an hour and a half each time on several occasions I was hung up on after waiting an hour and a half. I told them someone had fraudulently taking my money out of my account. They told me that they were going to send me a a fraud form and that I had to return it within 10 days. I actually got the Form on the XXXX day. I had to rush out and complete the form and fax it back to them. After doing all that and telling them the information that they requested they denied my claim, saying that I authorized someone to use my card. There's no way that a social security recipient would use XXXX XXXX in the amount of {$1300.00}. They were rude not caring and I find that they have XXXX XXXX  XXXX XXXX  reports about their business ethics. They need to be reviewed because most of the clients are social security recipients and we need our money and there's no way we're going to spend that amount of money on whatever XXXX XXXX is. 
It's not fair and if there's so many complaints against them somebody needs to look into this. They are scammed like the people that took my money. They ate fica insured, and they are responsible for thoroughly investigating matters of this type. I asked for them to provide documentation and they hung up on me. I am mailing you my documentation. PLEASE LOOK AT ALL OF THE COMPLAINTS. Social makes us sign up for Direct express, it's not fair that they scam us and nothing is done about it. Kinda of makes you feel that they are in on the scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have had a very difficult time with SLS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SLS always seemed to lose my paperwork, which I constantly had to re-fax. I currently have a full modification package submitted with every required document. SLS has refused to review the documents. Stating the need 37 days. I have been informed by HUD under the California Homeowner Bills of Rights it 5 days. Which I have done. 

The hardship that has caused me to be in this situation is I was laid off 8 months before COVID hit the United State. I was applying for a new jobs and the pandemic stopped all the interviews and process I had completed. I kept looking for work during the pandemic and was finally hired for a new job in XX/XX/2021. I am back to work full time with a great new job and with my wife income as well we can easily afford our mortgage payments. HUD has informed me that my gross income qualifies under mortgage banking guidelines.

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 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have 2 collections reporting on my credit from National Credit Systems that are not mine and are a result of identity theft. I have tried in good faith to address this with them directly. I sent in the required identity theft affidavit along with supporting documentation. After a 30 day investigation, collection items remain on my credit report. National Credit Systems sent a copy of the lease. Its obvious its not my signature not correct middle name in the copy of the lease provided. I would like these collection items to be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/2021 I paid a 3rd party for Navy Federal a settlement in the amount of {$3300.00} Navy Federal refused to update my credit report with XXXX, XXXX or XXXX. I sent letters to all three credit bureaus and was told they would need more time to verify the information. Navy Sent me a letter on XX/XX/2021 Saying my final payment was received. the debt was satisfied and no other collections would happen they would update my credit reports with the new information. on XX/XX/2021 I see its been updated with XXXX as charged off for {$10000.00}. XXXX has charged off/write off for {$10000.00} and XXXX says Payed for less than full balance/ charge off and listed as I9. This is not the information that was given to me in the letter. I paid a grand total of {$5300.00} however it's not being reported as such. In fact they are retaliating against me after I paid the final payment of {$3300.00}. This information is not correct and should be corrected to the letter that was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation