vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
XXXX Jpmcb XXXX Jpmcb Unauthorized hard pull on business account, failure to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I started a refinance process with Guaranteed Rate for our Jumbo mortgage on our recently purchased home in XX/XX/XXXX. The purchase financing XXXX XX/XX/XXXX ) was also handled by Guaranteed Rate. 

It is 4 months later, and despite assuring me several times in the last few months that closing was near, they kept delaying for more details, despite the fact that I had uploaded/sent those details several times already. 

Each time, they kept trying to " gouge '' me for additional fees - rate lock extension fees, additional closing costs, other fees. They also increased the interest rate, despite the fact that the rates had actually dropped ( and I pointed that out! ). 

I kept going back to them and saying that this was NOT what we had agreed to, and I had the emails to prove it, and then they used that to further delay. 

Ironically, our original loan XXXX, XXXX XXXX, was AWESOME, and kept fighting with his internal team for constantly making changes that were not agreed to. He was ALWAYS available, returned all my calls almost immediately, and literally went to people personally to try to get this loan done. His hands were tied because these delays were being caused by folks up the chain and not him. And then they changed the XXXX XXXX on me without warning more than once! 

I believe this firm is trying to price gouge me - they are likely losing money on the original loan because I'm refinancing within 6 months - but lets be honest here! Rates were historically high last Fall when we bought the home, and they have dropped precipitously. I have a right to refinance at any time! 

The rules state that once an LE is given, you can't change the rates/fees prior to close. Modifying the LE each time, and adding more fees, and causing more delays, so that customers like me get exasperated and just pay the additional fees to close the mortgage should ALSO not be allowed. At least, that is the spirit of the law. 

Guaranteed Rate needs to tell the truth here, and resolve this matter, and be fined for misleading consumers. 

Timeline : ====== XXXX. File started XX/XX/XXXX XXXX. First LE on XX/XX/XXXX at 3.625 % ; XXXX. Updated LE on XX/XX/XXXX and they added $ XXXX points not agreed to originally ; XXXX. XXXX XXXX on XX/XX/XXXX and they added $ XXXX lock extension fee not agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I received a letter from Transunion credit bureau File Number XXXX stating that I need to submit extra documentation to obtain a credit report. I have already submitted an application to XXXX XXXX XXXX with copies of all required documents. If I needed to send more documents then the XXXX XXXX XXXX XXXX would have stated it. If you would please look into this. Thank you.

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Loan paid off in XX/XX/2018. We still do not have the title. The company can not locate the title nor tell us how to get a replacement title. They will not return our calls and either hang up on us or just put us on hold. 

We have been to the DMV here in Florida. We have contacted the California ( state where the loan originated and our residence at the time of origination ) DMV as well. They both believe it is Chase 's fault and duty to deliver us the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: CO

Complaint narrative:
I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
A XXXX XXXX credit card was opened in my name 8 years ago. I have called portfolio Recovery collections who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to XXXX and still after a year I have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SHABANA MOTORS
State: TX

Complaint narrative:
Shabana Motors XXXX XXXX XXXX XXXX XXXX The attached document is how much my car is in need to be fixed, the quote is from a direct partnership with Shabana Motors, meaning XXXX is a credible place to receive a quote, Shabana Motors manager told me that the people at XXXX XXXX probably wanting to overcharge me, which makes me question, why are yall in a partnership with XXXX if you dont trust them? My car at this point no longer drives, I think that the vehicle I currently own needs to be put down in a junk yard.my car is only worth XXXX $ but I bought it for {$16000.00}. This car is completely dead and no longer drive-able, my note is {$500.00} a month, I am a XXXX year old XXXX XXXX working 2 jobs and my car is very expensive with repairs and the lease is highly expensive. They are threatening me with repossession. I need help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: WA

Complaint narrative:
Contacted reverse mortgage company ( bank ) asking for the pay off on a loan after my Father passed away. I was told an appraisal was done. Appraisal was a `` drive by. '' No one entered the home. It sits behind a half acre of land. A `` drive by '' is not an accurate appraisal. Also, the home sits in a town that over 37 houses are in foreclosure due to a decline in employment. ( Oil field town. ) After speaking to a loan officer, I was told they were asking for the MAXIMUM amount they could on the home, not neccesarily what my Dad borrowed. Selling this house at their asking price is ludacris. I believe a law was passed in XX/XX/18 stating that they have to agree to let me ( trust holder or beneficiaries in Trust ) sell his house at FAIR MARKET VALUE. Asking for more than he loaned is not only unfair, but lying about the amount we owe is also unfair. No one will tell me what the pay off ( amount of reverse mortgage ) actually was. No one will do an accurate appraisal. No one will return my emails. Complete ridiculous and I'm sure a law is being violated here. I have rights to have complete and full disclosure to all information in order to try to sell and pay off the borrowed amount, not what the bank would like to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CT

Complaint narrative:
A XXXX XXXX  credit card was opened in my name 8 years ago. I have called XXXX XXXX   XXXX who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to Equifax and still after a year I have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: AR

Complaint narrative:
Debt claimed is for insurance premiums from XXXX XXXX, my former employer, for months of something like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2013. I was out on XXXX leave. I had run out of FMLA so they were not required by law to continue my insurance coverage. I had applied for SSDI. I never returned to work. I was covered by XXXX during the time in question. 
When XXXX XXXX XXXX XXXX XXXX tried to collect this money from me I sent them proof from the Wisconsin state XXXX office that my coverage started on XX/XX/2013. They ignored this. I filed disputes and sent the documentation to XXXX, XXXX, and XXXX, but only XXXX   removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My debit card was fraudulently used on XX/XX/19 in the amount of {$1200.00}, I received a text from the bank asking if this was my transaction, I replied no but they processed the transaction anyway. Causing my account to now overdraft they took the amount out of my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
We use Google Pay to collect rent payments from our tenants. Our tenant transferred {$3300.00} to us on XX/XX/2019. On XX/XX/2019 we received notice from Google Pay that our receipt of the payment was suspended due to " Unusual Account Activity '' ( which Google Pay admitted was an error ). 
We contacted Google Pay by telephone on XX/XX/2019 and they said they are having " technical problems '' processing the payment and will " escalate the problem '' to their " product specialists '' to try to resolve this problem with no guarantee that it will be resolved in a timely manner. They said we would be put into the " queue '' behind possibly thousands of other victims.. 
This is totally unacceptable for Google pay to be holding our money XXXX while they are trying to fix their ongoing problems. In the meantime, we can not ask the tenant to cancel the transaction because that would possibly take up to 10 more business days to get his money back - according to Google Pay. 
What can we do to get our {$3300.00} rent payment back that is being held XXXX by Google Pay?

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 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I and another person signed a sales contract with XXXX XXXX company with the given understanding of our rights to cancel out the contract within 3 business days in which we did sign the cancellation form at the given time the cancellation form was given to us by the XXXX XXXX salesman which did the contract he gave us the cancellation form he also explained we sign it and turn it in if we wish to cancel within XX/XX/2019 after signing the contract we came to a agreement to cancel out so we both sign the cancellation form on XX/XX/2019 forwarded a copy to XXXX as told XXXX refuse to honor the cancellation as agreed to. We called United Consumers Finance and told them about the cancellation but they later reported to our credit bureaus as a open account with them though It was a cancellation. We disputed the accounts as inaccurate information even though we sent in a copy of the Contract we signed with XXXX and the Cancellation for which was given to us by XXXX Representative sign by him and by us to all 3 credit bureaus XXXX, XXXX   and XXXX  still allow false reports damage our credit standings they said that if United consumers Finance tell them to keep it on our credit they has to do it. XXXX was rather rude they allowed one of us to file another dispute and rudely deprived the other person of their equal right to file another dispute as well We was told by a letter sent to us by United Consumer Finance that they will report to all 4 credit bureaus on us and that this will damage our credit that in the future we will not be able to use our credit to purchase a car or home we feel our rights and credit standings as citizen has been violated illegally very awfully by all 3 Credit Bureaus as well as United Consumer Finance company. We feel discriminated against also United Consumer Finance has reported on our credit report as good standing as if we were paying them which we never gave them a dime we told all 3 credit bureaus that they were reporting lies on our account but they still went along with them and did not take fair action. 3 credit bureaus supported United in their wrong doing and they still is at this point. So as far as we are concern XXXX, XXXX, and XXXX is no good to us as Citizens when it comes to justice and fairness What do they Care? Every dispute investigation The credit bureaus updated {$1700.00}. to be accurate in debt to United Consumer Finance reguardless of our documented proof but because United Consumer Finance tell them to leave it on our credit reports they do it XXXX!!! Yes we are seeking help to protect our rights because Credit Bureaus sure don't Wow they team up against you with the bad guys so consumers beware!!!! I would not wish this on my worst enemy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Hello, I have had an account with Bank of America, originally with MBNA since the early XX/XX/XXXXs when in college. I have paid this account diligently over the years - using it when needed. Since XX/XX/XXXX I have been living overseas, mainly in XXXX and XXXX working as an XXXX XXXX XXXX. I am an American citizen born in XXXX XXXX. I have continued to pay on my account through the online portal with no complications. I recently moved back to the US ( XXXX ) and discovered - only when I applied for a car loan - that BOA cancelled the card almost two years ago. You can imagine my confusion, as the portal has been completely active with absolutely NO indication the account was closed. I have not attempted to use the card in several years as I was paying off the balance, so no more the wiser. 

As a US citizen relocating back from an overseas post this has been devastating to my credit. I continue to pay on the card - I had no idea until a month ago, was cancelled a few years ago ( again, registered for online payment, no paper content ) I contacted BOA, with lots of confusion on their part, even being told by one employee 'we are shocked you have online access, when the account it closed, you are generally locked out. ' Hmm. I asked for it to be reinstated - only to receive a notice in the mail that my 'new account ' was not approved. Yes! It would not be as they have trashed my credit score - this letter did not even note I was a 'previous ' ( while I still believed I was current ) customer. I do not think in the review process they even saw the moving parts of the human behind the request - their customer. 

This is extremely predatory of the Bank of America. I have been a customer since the early XX/XX/XXXXs and even though I am still an active paying customer they have reported me to the credit union that my account is closed - thus making me appear as the liability. This is destructive for me and my family, including XXXX minor children. I would like the account reopened, not as I want the credit, I want it paid off - but to repair my credit. At a minimum, I need Bank of America to remove this black mark they have created, without even having the respect to let me know. 

Thank you for your time and help. Please let me know if I can provide any further information. 

Best Regards, 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 2019-07-11 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: SC

Complaint narrative:
Experian - On XX/XX/2019, I submitted my dispute for XXXX/XXXX showing I was 30 days late. Instead of disputing the 30 days late, Experian udpated the date of account closure. This was not even close to what I was disputing! 
Experian gave me a textbook answer that they reached out to the bank, they follow the law, and their investigation confirmed I was late. However, on XX/XX/XXXX, XXXX/XXXX sent me a letter indicating that they have sent a request to the credit reporting agencies to remove the delinquency from the credit report and to allow up to 45 days for the credit reporting agencies to update their records. It has been over 45 days and this is still showing as late 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 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions LLC Radius Reference Number XXXX Balance Due XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Code COMM XX/XX/2019 Customer Service - XXXX ext XXXX Refers to debt as XXXX BANK ACCOUNT XXXX XXXX XXXX No such account exists website provided was XXXX which is clearly fake and asks for last four of social to pay debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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