vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
SWC Group call from different number 4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ALLY FINANCIAL # XXXX -XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We applied to refinance with Chase Mortgage and went through normal application procedures after we were approved, which included ordering an appraisal for our home. I reached out several times to the loan department and didnt hear back in a timely manner. So, I shopped around and found a better rate with XXXX XXXX  who offered better loan terms and lower interest. Recently, we are finishing closing our loan with XXXX XXXX, but because we didnt go with Chase they are refusing to release the appraisal report and transfer rights to the report to the lender we are working with. We paid {$500.00} for this appraisal up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subscribed to a XXXX account of an investment strategy advisor prominent on XXXX. Day after I subscribed to his account I received a private message stating he could possibly help me personally. He asked me to trade through an online brokerage XXXX  and he would help me manage it. As it turns out it was a fake website and a fake account propagating this felonious activity. When I realized it was too late, I had already wire transferred XXXX XXXX to that account. I alerted XXXX and they told me the account did nothing wrong and was in good standing. Told them it was a fake account stealing peoples money. Two weeks after the fact and when the original published something about it was the only time XXXX took the issue seriously. XXXX also deleted all my interactions with the person which has the whole conversation in it. The dummy company they setup is XXXX XXXX The wire fraud was executed through XXXX BANK under an account name XXXX XXXX XXXX. The brokerage firm is XXXX. My home bank is BANK OF AMERICA to which I reported the fraud as soon as I became aware. They issued me a temporary credit and now they are stating they can not honor my credit and will remove the money from 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 explanation
Consumer complaint received 2021-06-29 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: PLS GROUP, INC
State: OK

Complaint narrative:
I had attempted to make a purchase and it still reflects these purchases and has not been refunded on account. These purchase add up to over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: KS

Complaint narrative:
On 2 separate occasions I attempted to place a freeze on my report from Sage Stream. Once online and sent verification documents including a copy of my XXXX and current lease. The second attempt was by phone with an agent who verified my identity and then confirmed my report had been frozen. All of this occurred in XXXX and XXXX of this year but as of XX/XX/2021 XXXX XXXX is still providing information to potential lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} XXXX, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX/XXXX  XXXX  - Account # XXXX Amt {$2200.00} XXXX XXXX - Account # XXXX Amt {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX Amt  {$3400.00} XXXX XXXX XXXX - Account # XXXX Amt {$1100.00} XXXX  XXXX XXXX XXXX - Account # XXXX Amt {$300.00} AFNI, XXXX - Account # XXXX Amt {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, XXXX additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, a payment of {$330.00} was made to XXXX of NJ. The same day, I contacted XXXX by email and they reversed the payment on XX/XX/XXXX. During the next couple weeks, I contacted XXXX and chime about where the refund was. Due to the inconsistent answers from XXXX, I decided it was time to dispute the charge through chime on XX/XX/XXXX. On XX/XX/XXXX, I decided to contact chime and XXXX again because I felt its unacceptable to wait this long for the refund. During my call with XXXX, the customer service rep stated they reversed the payment on XX/XX/XXXX and chime accepted the refund, so theres nothing they can do and to contact my bank. I told chime what they said at XXXX hoping it would speed the process. On XX/XX/XXXX, I contacted chime telling them that its been long enough and they need to resolve this or I would file a complaint. If theres anything else you need, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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:
I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. XXXX also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. Equifax continues to report the 6 missed payments. XXXX states they've sent correction letter to equifax to remove all 6 lates, however equifax says they've never received such letter. In fact equifax says XXXX confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota Finance ( SETF ) XXXX XXXX XXXX XXXX XXXX  Lease Term : XXXX mo / XXXX mile per year Lease start : XX/XX/2019 SETF has recently enacted the inability for 3rd party dealers to buyout XXXX  vehicles from lessees, citing the pandemic shortage of vehicles for their network dealers and forcing us lessees to only work with same network of XXXX dealers for a buyback or early termination if we are unsatisfied with the XXXX dealer buyback offer. Early termination would result in a penalty, too. 

Unfortunately, I am finding myself in a hardship where I can not continue to make the lease payments for the vehicle, and as a result, did begin my search with dealers like XXXX, XXXX, XXXX, XXXX, for a 3rd party buyout and was pretty happy with the offerings received as it would make me whole given the circumstances I'm seeing now financially - however, this was only to be met with my initial info above from SETF during processing of the buyout where it can not be completed due to their recent restrictions. 

In doing my due diligence, I met with the local XXXX XXXX dealer and was offered substantially less than the 3rd party offers, placing me in a negative/upside down stance versus the current lease payoff amount, and where I'd ultimately end up in collections if I were to agree to the XXXX dealer buyback as I simply can not afford to pay it over other necessary means at the time. 

I personally feel I am being forced into collections and a negative credit reporting transaction, all due to a recent stance XXXX has taken on their agreements with their lessees, but ironically enough does not apply to XXXX vehicles which SETF oversees, as well. Also, this stance they are taking is well beyond our lease agreement beginning XX/XX/2019. 

SETF refuses to work with me and/or the 3rd party to sort this through continuing to cite the pandemic and in a lack for words, not blatantly saying their choosing profit with XXXX dealer only buybacks for their then resale, over a struggling consumer now just trying to stay afloat and keeping a longstanding customer. We're all impacted by this pandemic, and there's no reason for a corporation to flip the script and take advantage of current lessees for their own profiting at my despair, when we all can win-out in the lease payoff satisfied in full by the 3rd party and me not going into collections/repo/adverse credit reporting. 


thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I pay my credit card bills in full each month. The statement with a payment due date of XX/XX/XXXX was paid electronically XX/XX/XXXX ( confirmation XXXX ) before I had a chance to go over the individual charges. I did later that day, and discovered that NONE of the {$2300.00} in charges was legitimate, called Chase and reported the charges as fraud and " locked '' the card on XX/XX/XXXX. I have NOT made any purchases on this account since then. I have never unlocked the card. 
Chase sent me a new card with a new account number a few days later. The XXXX statement showed no new activity, and a credit of {$2400.00} for the reported fraudulent charges. The XXXX statement showed another fraudulent charge of {$43.00} ( XXXX ). The XXXX, XXXX statement arrived, showing yet another fraudulent charge of {$31.00}, leaving a balance of, per Chase, - {$2300.00}. 
The XX/XX/XXXX statement arrived showing a - {$2300.00} plus {$3700.00} in new, fraudulent charges on a card I never unlocked, leaving a new, incorrect balance of {$1300.00}. I reported the fraud upon receipt and cancelled the card. My XXXX statement showed credits for the XXXX statement fraud, as well as another {$630.00} in fraudulent charges on a locked card, which I immediately reported. Then I received a statement dated XX/XX/XXXX stating " you are responsible for the following transactions '' and all the fraud I reported was suddenly my responsibility because " you received benefit from this transaction. '' This matter remains unresolved, and Chase has reported my " lack of payment '' to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
CArrington Mortgage services is harrassing us about a mortgage debt we do not owe. This house was sold and closed on XX/XX/XXXX and the title recorded to reflect new owners. The title company paid the amount owed via the closing statement that was good until XX/XX/XXXX. The title company paid them in full. 

They are now demanding more money, and we do not own this house any longer, nor do we owe any money on this house. They are harrassing us for XXXX dollars stating they will forclose. 

First we do not own the house, second this debt was orginially discharged in a bankruptcy XX/XX/XXXX and we were not legally responsible for any of the money owed on this house. 

The title company we used to sell this house got a closing statement from them which I will attach and they paid them the entire amount owed. We again today received a delinquency letter and threat to foreclose on a home WE DO NOT OWN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Fed-loan servicing They mentioned my debt was {$27000.00} total loan they classified, when it was really {$24000.00} Mr. XXXX mentioned benefits will help with credit report. 
Mr. XXXX offered benefits to Prevent government from garnishments Make 4 payments of XXXX per month. First payment is XX/XX/XXXX. 
After those 4 payments were made, the rest of my debt would be granted. 
Original contact information : XXXX Representative / Account manager XXXX XXXX Manager ID # XXXX client care email : XXXX General Inquiry : XXXX Website : XXXX XXXX Cell That he texted me on was XXXX XXXX represented himself as a representative from the department of education. He had two separate companies that he was apparently working for. First was Fed-Loan Servicing, and second was XXXX XXXX XXXX. He would not give me any confirmation email about the status, and the details of our conversation until he received a method of payment. I received a code, and I provided it to him, and later I found out that the code gave him access to all of my financial aid benefits through FAFSA and XXXX. I'm afraid he has my banking information and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received an email on Sunday, XX/XX/2021, stating that I sent a XXXX payment of {$700.00} to a XXXX person which I did not authorize. I called Bank of America to see if the payment was fully completed in hopes of stopping it. They stated it was completed so I did not know what to do. After that, I called both XXXX and Bank of America after I fully understood my rights and what I can do about an unauthorized transaction. 

By the end, I was able to file a fraud claim, Bank of America placed a hold claim on my account and asked me to called back to open another one on Monday. That was exactly what I did, the very next day. They transfer the rest of my money out of the account and told me I would get results within 45 days. I received a letter on XX/XX/2021, that stated my fraud claim has been denied due to having found the transaction inquisition was completed using a device that is consistent with previous valid account activity. 

I must make it clear that I have only paid my credit card bills through their mobile app. On top of that, no one in my family has access to any of my bank information. My parents barely speak XXXX and both my sisters are in grade school. I only linked XXXX to Bank of America to accept the XXXX XXXX. And I only had three outgoing transfers. One to XXXX in XXXX, one to XXXX University for my summer classes, ( both through their website on my computer ), and one I made today at the bank. 

I never used XXXX or planned to use XXXX to send money as I already have XXXX for that. I called Bank of America to email me the documents used in the investigation but did not received anything yet. I barely make {$700.00} a month as I am a full-time college student and I am not willing to lose {$700.00} on a transaction I did not authorize myself.

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 2021-06-29 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.

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