vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I ordered a set of tires from XXXX on XX/XX/2021. I tried to cancel the order and was advised to simply refuse the delivery. I followed these instructions and XXXX was to return the refused tires to XXXX. The return shipment was lost in XXXXXXXX XXXX system. I followed all steps as instructed by XXXX customer service to obtain a refund, including, per their direction, filing a credit card dispute. I did so and provided Amex with all needed documentation. 

Twice now, Amex has simply accepted XXXXXXXX XXXX statement that because they don't know where the tires are, that I am liable for the charge. This is in direct contradiction to what XXXXXXXX XXXX customer service informed me, AND what their system showed. I have email confirmation from XXXX that a refund was being processed. It never arrived, and I was instructed again by their customer service to file a credit card dispute in order for Amex to obtain the refund from XXXX. 

Again, Amex has returned saying the charge is valid, when I explicitly gave Amex written proof that a refund was owed. 

I have spent MONTHS fighting this charge, and Amex has twice sided with XXXX XXXX XXXX XXXX department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent Transunion a letter asking them to remove the inquiries from 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 explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. 
My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC. 
XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. 
Co-conspirator : XXXX XXXX no confirmed address. XXXX. 
Their XXXX account is still active as are the e-mail and their phone numbers. 
My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. 
Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. 
My bank Navy Federal Credit Union essentially tells me tough luck! 
I received a USPS tracking number but USPS never received any parcel. 
Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. 
XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? 
( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MI

Complaint narrative:
File a bankruptcy in XXXX and it closed in XXXX and my mortgage has not been reporting since XXXX. I didnt put my house in the bankruptcy and payments have been current since then. How do I get them to report my payments on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022, I received a payment through PayPal in the amount of {$250.00}. According to PayPal 's email ( attached ), I could instantly transfer these funds to my bank via debit card for a 1 % fee. In the PayPal application, the actual fee is 1.5 % and not the stated 1 % in the email. PayPal provided false advertising of fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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 — Other problem getting your report or credit score
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I have contact XXXX multiple times for trying to dispute information. It said I could complete the dispute for free ; however, XXXX keeps making me trying to pay. 

Radius Global Solutions has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with XXXX  XXXX Packet and police report. Initially, the company removed from credit report and the placed it back XXXX months later

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 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, I went, in person, for the XXXX time, to the Chase branch on XXXX XXXX, XXXX, TX, to request XXXX XXXX  wire transfers to my XXXX sister, XXXX in XXXX, the other in XXXX. I had with me ALL documentation to show who I was, and all needed information about the Banks of my sisters ( BTW First time I went, the lady who was supposed to help me said that there were XXXX number missing, about the Banks, but after calling my sisters, who went to their banks, and were told that info should be sufficient, I returned to the Chase branch, and XXXX XXXX, with exactly the same information that I had presented the day before, was able to initiate the wire transfers. Or so I thought! 
Except tha a few days later I received a letter from Chase saying that their Electronic money Mover Team had CANCELED the wire transfers, that seemed to them unusual, but without contacting me nor the branch! When people go in person, it seems logical to assume that they really want the transaction to go thru!!! 
Any way, since then I have spent countless hours on the telephone with them, often waiting up to XXXX minutes waiting for a person to come to the phone, and I have gone to the branch XXXX more times, and now they want me to the branch again!!! 
I am XXXX ( soon XXXX ) years old, I XXXX XXXX any more, so XXXX have to take a cab to go there, with time and expenses adding up. It is a real inconvenience and totally unfair!!! 
They have created the mess, and caused me a lot of frustration XXXX XXXX, and they should be able to resubmit the wires without me having to go back agin for the XXXX time : they should have all the information and they can contact me for anything else they might need. But I should not have to go to the branch AGAIN. 
I hope that you guys will be able to do something, and I hope that you can let me know what is being done. Since this has been going on since XXXX XXXX, there is a certain urgency to this!!! 
Please respond. 

XXXX XXXX ( XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IN

Complaint narrative:
This is the continuation of complaints filed against Experian about incomplete and inaccurate reporting of accounts on my credit report. This account reflects US Dept of ED, account number XXXX. The credit reports reflects that it is a closed account, and 'transferred to another office ''. The original amount reflecting as XXXX. This account shows that in 2017 no data was available for XXXX, XXXX, XXXX and XXXX, but then reports that the account is 120 days late in XXXX, 120 days late in XXXX and 120 days late in XXXX. The credit report also shows no applicable payment for XXXX and no dates shown for the rest of 2017, XXXX through XXXX. There is no original creditor shown. I have no knowledge of who this debt collector is listed under the guise of US Dept of ED, the number isn't a working phone number and the number on the recording hangs up at ( XXXX ) XXXX. The credit report reflects, " disputed by consumer ''. I have requested validation of this debt, but I only have received generic, vague responses, if any responses at all. I have never received anything substantial. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have spoken with representatives from a company called XXXX XXXX with this same address that I found on a XXXX search, unfortunately they were unable to help me. I demand validation of this account. I demand proof of claim for this account. I am demanding to know their permissible purpose for being on my credit report, does this company have a binding two party contract with me? I want to verify that there is no debt parking 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 explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Around XX/XX/XXXX, I set up online monthly automatic payments for my mortgage with JP Morgan Chase Bank. On XX/XX/XXXX, then found out that my credit score dropped XXXX points and I investigated why. Turns out that after XXXX setup automatic payments through the online portal, for some reason the money wasn't being taken out and this had a huge impact on my credit score. 

Upon finding out the account was past due on XX/XX/XXXX, I immediately paid the full balance for XXXX and XXXX and became current on all payments. 

I was never contacted by chase via phone or email so I was unaware of the late payment that was due. 

I had more than enough money in my accounts to easily cover the mortgage and would gladly have done so if I was notified, which I was not. 

I am always on time and prompt in payments and have never had an issue as my record will show. 

This was an error in their online payment system and I suffered a XXXX point credit score hit as a result. 

I demand that this late payment be removed from my credit score as this was a result of their faulty online payment system setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
On three occassions I have applied for modificaiton with my current servicer FAYE Servicing, however, they have failed to respond. The first attempt was in XX/XX/XXXX, the second attempt was XX/XX/XXXX and the latest attempt was XX/XX/XXXX. Each time I was told my application was incomplete, not received or too old. When I spoke to FAYE Servicing last week they stated that the only was to prevent a sherrif 's sale was to pay the arrears in full and it was too late to modify my loan since there was a sale date scheduled for the end of the month. I am however, requesting a 60 day stay so the sale date will be delayed. I did successfully complete an application and was in the process of reviewing the terms with XXXX, in XX/XX/XXXX, when the servicer changed to FAYE Servicing. 

I have provided all attachments required as well as the application, which was completed in its entirety. 

In addition, it is peculiar that the current assignee of my mortgage " XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX '' was assigned the note from XXXX Investors when XXXX investors was never assigned the Note. The only assignment in the chain of title that references any type of transfer the note and/or debt is the assignment dated XX/XX/XXXX, by Assignor XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX its attorney in fact assigned to XXXX XXXX  XXXX not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX XXXX 

XXXX XXXX sold my loan to XXXX a subsidary of XXXX XXXX who specializes in purchasing under performing loans from Fannie Mae, purchased the loan in XX/XX/XXXX. A lien was placed on the home shortly thereafter. My loan was owned by Fannie Mae years prior to XXXX being taken into the receivership of XXXX. Therefore, XXXX could never have sold them the loan since it was not theirs to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling XXXX their product so this remains inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I turned in early a leased BMW vehicle. The BMW Lessor was BMW financial services NA , LLC. I turned in the vehicle 67 days before lease maturity. 
BMW Financial services are denying me due process per California Vehicle Leasing Act. They are billing me for the remaining balance right away and they collected {$2500.00} from me.

According to California Vehicle Leasing Act Civil Code ( & & 2985.7 - 2993 ), the California Supplement to the Federal Consumer Leasing Act ( 15 U.S.C & & 1667-1667t ) BMW Financial services should have allowed the following before starting to collect debt from me : The due process allows waiving of the remaining lease payments and any fees if the vehicle appraised value or in case of no appraisal, the wholesale value of it exceeded the Gross Early Termination Allowed. 

Instead BMW Financial services refused to allow for appraisal of the vehicle and they replied to me that selling the vehicle is their business and they will not disclose any sale price. 

This is a violation of California vehicle leasing act which is a supplement to the federal leasing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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:
I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, XXXX and Equifax in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the Equifax data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, Equifax and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all XXXX credit bureaus and faxed to Equifax. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all XXXX bureaus about my credit report having so many unauthorized items on it. I have contacted Experian, XXXX and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX  XXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at Experian, XXXX and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # 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 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX the XXXX someone got into my navy federal account and took 1,500 $ From my account and transferred it to theirs. I notified navy federal and try multiple times to get my money back and never did. I was also somehow negative at one time I dont know how and they took an extra 400 $ away from me Im just trying to get my money back if you could help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I financed a car through ally financial in XXXX and paid for XXXX insurance. In XX/XX/XXXX the car was totaled which the insurance paid for and whatever was remaining was paid for by XXXX insurance. I had no idea about a balance being open or where it can from. I was also never late and always paid, and you would see this is the only account on my report with issues but no others. I filed for unsecured credit card debt chapter XXXX after a divorce in XX/XX/XXXX and I know that its on my report. However, ally is using that and staying on my credit damaging it so I dont get loans and wont talk about where this amount came from.

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