vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank locked my business checking account due to an internal error with my ownership %. I resolved this in person at the local branch. The banker stated my account would be restored in a couple days. 6 business days later and my business account is still locked. I can not conduct business due to Chase Bank 's error. This should be criminal to lock my account and not send me my money or let me use my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit Bureau XXXX Equifax and XXXX has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX Equifax in XXXX have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. equifax XXXX XXXX and XXXX a ... .ve aliases and addresses that are unknown to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: MO

Complaint narrative:
The credit Bureau XXXX XXXX and LexisNexis has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX XXXX in LexisNexis have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. XXXX XXXX XXXX and lexisnexis a ... .ve aliases and addresses that are unknown to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
This is a complaint regarding a solar loan from Loan Pal, they have since changed their name to GoodLeap.

I have requested a statement regarding an outstanding balance of {$110.00}. 
I have made countless attempts to get them to explain why this amount appeared on my bill as outstanding when all of my records indicate I actually overpaid them by a couple of bucks to make sure my last payment of {$16.00} covered the last outstanding balance of {$10.00}. 
This company reported that I defaulted on my loan and sent it to collections. They are the only ones in my entire history claiming I didn't pay my bills. 
I made a {$50000.00} payment to pay down my loan and something is fishy. Perhaps they claimed I defaulted to hide the {$50000.00} ... I do not know but something is wrong and I am a victim. I was locked out of their website and refuse to try and find the information online. I have asked to be supplied with a statement detailing the so-called outstanding balance, they refuse. I need hard copies of all loan documents for my accountant and attorney. Why did they change their name, why do they refuse to provide monthly statements.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
company involve is expirian the are reporting wrong information on my credit report also after 2 month of my dispute the did not put the notice of dispute this is a violation of secction 623 of FCRA the account are the following XXXX XXXX XXXX account XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One 's continued predatory credit card solicitations. I have filed 3 previous CFPB complaints against Capital One for new credit card solicitations by mail and telephone ( CFPB Complaint ID XXXX, XXXX, and XXXX ). Those 3 Complaints were for harassing me personally - XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX PA XXXX in XXXX, XXXX, and XXXX. I personally have not received any solicitations since XXXX. Now, Capital One credit card solicitations are coming to my address ( XXXX XXXX XXXX, XXXX XXXX PA XXXX ) addressed to my sister XXXX XXXX XXXX - EVEN THOUGH SHE HAS BEEN DECEASED FOR OVER FIVE YEARS, AND HAS NEVER RESIDED AT XXXX XXXX XXXX, XXXX XXXX PA XXXX. Also, she was on XXXX for the last approximately 5 years of her life, and Capital One pre-approves her for " up to {$2500.00} credit limit- per attached document!!!. 

This on-going, over six-year cycle of harassment has caused me tremendous emotional distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Specialized Loan Servicing is now demanding foreclosure or me to send them an absorbent amount of XXXXThey will not give me the name of the Bank or Loan holder. XXXX XXXX had my mortgage loan and pulled out of the state. Leaving me and lots of other people with a fly by night company. Named Specialized Loan Servicing with a XXXX XXXX XXXX rating of one star. They put me on a corona virus program called a loan deferment program. Which than put us in deeper in debt. The program was utterly useless. So we've requested our payments to be put on the end of the mortgage. They sent us a request form for our pay stubs on Thursday than on Friday sent me & told me they are starting foreclosure. Than Saturday sent me a new drive by appraisal. They would not give the name of the Bank or Loan holder. They offered us to put the deferred payments on the end of the loan. And than took that offer totally away before we sent them any pay stubs and a letter to review. Yet said they reviewed it which they did not have yet to review whatsoever. Any help to have our payments put on the end would be much appreciated! Thank You! Signed : 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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. 

Look at the attached documents. I have all of the proof..

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
About a week ago, I transferred XXXX dollars out of my credit karma  checking account to my XXXX XXXX XXXX Savings acct. for some reason, the transaction was flagged by XXXX and sent to my linked bank account at XXXX XXXXXXXX XXXX. However, my XXXX XXXX XXXX account had already been closed for some time, and naturally, the money was sent back to credit karma from XXXX  XXXX XXXX as it should have been in the first place. Upon the money reaching my credit karma account, my account was immediately locked and placed under review. I am lodging this complaint towards credit karma in order to get their attention because its almost all the money I had and I can not afford to wait weeks and weeks for them to unlock my account. The full explanation of where that money came from and why is presented above. Credit karma offers no way to contact their specialized review team, therefore I am getting in touch with them by whatever means I have, in this case via the CFPB. Please get back to me credit karma, and please unlock my accountI really need the money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Inquiry is inaccurate, I never authorized an inquiry in XXXX for " Check into Cash ''. Fraudulent, was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted city Bank about fraud after getting multiple letters that do not state a reference number every time I call they seem to get mad that I ask why they need more information like past address as my families information to address my issue they failed to send a letter with a reference number to unlock my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: OH

Complaint narrative:
I have sent several letters to Experian in regards to inaccurate and unauthorized accounts being reported on my credit report. They were not give permissible permission to report these invalid accounts and I demand these accounts to be removed due to improper and false reporting of accounts that i did not authorize.

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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: NY

Complaint narrative:
Global Lending Services violated multiple laws pursuant to the Truth In Lending Act and the Fair Debt Collection Practices act as shown by attachments. I am holding Global Lending Services liable for unfair lending tactics and unauthorized use of my social security card. The term unauthorized use, as used insection 1643 of title 15, means a use of a '' credit card '' by apersonother than thecardholderwho does not have actual, implied, or apparent authority for such use and from which thecardholderreceives no benefit. The definition of credit card under 15 U.S. Code 1602 ( I ) means, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card used to originate this consumer credit transaction is my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
long story short at one point I was financial problems to keep up with my loan. there are late payments shown on my credit report. I had XXXX left to pay on my loan. I paid it all off and asked since I am paying my entire loan amount up front can we remove the late payments from all credit reporting agencies they have retorted too. they said no. I said please remove the negative feedback as I am paying my loan off entirely. They are not willing to work with me. the whole point for this is because I was trying to refinance my home. and this is what is messing everything up. because it shows on my credit reports. Can you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called experian XXXX and XXXX about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission

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 2021-10-21 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: FL

Complaint narrative:
I called XXXX Equifax and XXXX  about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to 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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: GA

Complaint narrative:
At this time I, XXXX XXXX, disputed the my account for violation of federal laws, and rescinding enclosed contract dated XX/XX/XXXX pursuant 15 USC 1635. CarMax Business Services , LLC has participated in unfair credit billing, fraudulent debt collection, and deceptive business practices. CarMax Business Services, LLC violated FDCPA, FCRA and FTC unfair and deceptive business practices. 

On XX/XX/XXXX CarMax Auto Superstore , Inc as the seller entered a contract in a consumer credit transactions in the amount of {$14000.00}, and accepted a cash transaction of {$2000.00} ( violating 15 USC 1605a ), totaling {$16000.00} for the purchase of XXXX XXXX XXXX. The contract violated TRUTH IN LENDING disclosure requirements. CarMax Business Services, LLC violated FCRA 621, FDCPA 807 and FDCPA 808, 15 USC 1666. Nowhere in the contract was the APR or Finance charge disclosed. I also disputed the accuracy of this account several times.

Pursuant 15 USC 1605 the amount of the finance charge in connection with any consumer credit transactions shall be determined as the sum of all charges. CarMax Auto Superstore failed to provide the Finance charge, APR or total amount of payments as required by Federal Truth In Lending Act Disclosure requirements. Finance charges does not include fees by a third party. Finance charges are imposed as an incident to the extension of credit ; not to be complied with other fees.

Pursuant 15 USC 1692a ( 4 ) creditor does not include assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Pursuant 15 USC 1692a ( 6 ) Debt Collector CarMax Business Services, LLC had no rights to collect a debt on the consumer credit transactions involving CarMax Auto Superstore , Inc on XX/XX/XXXX, as a third party. CarMax Business Services, LLC therefore participated in unfair credit billing, fraudulent debt collection, unfair and deceptive business practices and was unjustly enriched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: LA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation