vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I purchased a new vehicle on XX/XX/XXXX. It was financed through Chrysler Capital ( account # XXXX ) with a loan for {$57000.00} On XX/XX/XXXX I made a {$300.00} payment toward the loan ( check # XXXX ). On XX/XX/XXXX I made a second payment for {$300.00} ( check # XXXX ). 

On XX/XX/XXXX, I was informed that the dealership made a mistake reporting the VIN number and I had to sign additional paperwork. 

On XX/XX/XXXX there was a written conversation with XXXX, a customer representative with Chrysler Captial. I asked her about the status of the account change. XXXX informed me that " if the VIN is wrong, we will simply update the VIN when the document is received. '' I scheduled a third payment for XX/XX/XXXX for {$600.00}, this time through Chrysler Capital 's website ( confirmation # XXXX ).

Chrysler Captial then created a new account ( # XXXX ), with the right VIN number, and reflecting an opening balance of the original loan XXXX {$57000.00} XXXX. They did not apply my earlier payments, nor informed me what had happened with them. 

On XX/XX/XXXX, I called Chrysler Capital with a customer service representative name XXXX ( ID # XXXX ) who state that the transactions had been " reversed '', and the payments were sent to the dealership. XXXX could not back up this statement with any confirmation numbers or check numbers. I called the dealership 's finance department and spoke with XXXX XXXX, who stated that the dealership had not received any funds from Chrysler Capital, but he would look into it. 

On XX/XX/XXXX I called Chrysler Capital and spoke with XXXX ( ID # XXXX ). This time I got a different story. XXXX stated that a check was sent to me on XX/XX/XXXX for {$600.00}, and another was cut on XX/XX/XXXX for {$600.00}. Both checks, he said, were addressed to me at my home address. He could not provide check numbers or confirmation numbers for either transaction. He did make a request to re-send the XX/XX/XXXX payment since I had not received it yet. He had no comment on why I was told that it was sent to the dealership by the last person I talked to. Nor why the last representative did not have the same information he was privy to. 

At this time I have yet to receive my fund back. And I keep getting conflicting or incorrect answers from their customer service department. I have no trust or confidence in anything they are telling me, which makes it extremely difficult to make decisions on when or if I should pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
They violated the HIPAA act by reporting my debt and information to 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 2021-08-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
S sometime in XX/XX/2021 I dropped something on my glass stovetop and damaged it. I went online and found XXXXXXXX XXXX XXXX talked to a person ( XXXX  ) and she gave me a good replacement charge. I gave her my info ( credit card ) and she said she will send me an invoice in the next few minutes. when I did not receive an invoice in. several hours I called back and was told there was no order placed in my name and no one by name of XXXX worked there. I told him to cancel the order if they found it a and I no longer wanted the stovetop. several weeks later I received this large box with a damaged stop top from their return dept ( shown on their label ) I called many many times and never spoke to a person usually their hung up on me as soon as I gave my name.I reported this to Chase Bank and they took charge off my account. A couple of weeks later the charge appeared on my account again. I called Chase and they said it was a billing dispute.I contacted XXXX  and told him what had happened, XXXX issued a label and returned it to XXXX XXXX told me there was no charge to me because the stove top was damaged in-transit and they were responsible. I submitted this to chase with all info tracking. nbr, proof of delvy to XXXX but they say it's a billing error. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
On XX/XX/2021 I have received an email from some kind of collection agency I do not recognize. Claiming I owe a debt of {$1700.00} from a XXXX  XXXX that I never had in my life. In the email it clearly states to dispute or pay the amount owed. I click to dis put and the information with listed address is all wrong. 
When I reached out to the collection agency, they said they can not sue or report to credit agency for an old debt but wants me to pay for something that I never had in my life with all the wrong information provided in the email. I have told them numerous of times that I never had a XXXX  XXXX nor resided at the address listed. Now they are mailing me a bill that dont exist that they claim exist over 30 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: SC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was denied a XXXX credit card in XXXX. After contacting the telephone number on the denial letter, I found out that they only use Experian to check credit. Experian doesn't show any credit for me despite being an authorized user on two cards that we use ( I had closed cards that we didn't use and they were in my name ). I contacted Experian and they refuse to do anything. They say it is a fault in the two credit card reporting system and not their system even though they didn't even look at their system. I contacted the credit card companies and they assured me that the information is reported correctly to all three reporting companies. XXXX  and XXXX  have the cards reported correctly. Experian also shows the cards in my wife 's report correctly. I tried opening a XXXX XXXX credit card in XX/XX/XXXX and was denied so we had to open it in my wife 's name. This week I tried to open a XXXX ' credit card and was denied, again because they only use Experian. Because of a fault in Experian, I am being denied credit despite excellent credit for 30 years ( we have had XXXX  since early XXXX  's ). Experian has never once shown credit on my report unless it was opened in my name. I am now forced to open a XXXX  XXXX credit card ( that I don't need ) in my name ( after I finally found one that doesn't use Experian or perhaps uses multiple sources ) and build up credit because I am tired of having to open credit in my wife 's name.

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 2021-08-06 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: IL

Complaint narrative:
I've recently notice an account on my credit report that do not belong to me. I filed a FTC report and mailed it certified mail to Equifax more than 30 business days ago. Equifax has no verified the account and still has not removed the account. According to the FCRA reporting agencies must verify all information before reporting to a consumer credit report. 

Account Name Account Number XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
This servicer has repeatedly reached out to us stating that they have been unable to confirm our condo 's master association policy. We have sent this policy to them, and so has the association itself. There is no record of this servicer actually reaching out to the association, and now after us ( and the association ) sending the policy, they are now reaching out to us again claiming they have been unable to get the policy. At this point this servicer is either lazy or does not have the capacity to do basic due diligence. I'm not sure if they're trying to do some sort of scam so that they can issue some sort of self-dealing master policy. Regardless of what it is, I am requesting oversight over this situation so that this servicer realizes the basic responsibilities it has for a conventional loan in a common community. 

I am attaching proof of the previous emails that were exchanged, how they also have the contact information of the association, the policy that was sent ( which doesn't expire until XXXX of 2022 ) by both us and the association, and how they somehow still sent another request for this same information.

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 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I applied for a loan modification with my loan service at loan care in XX/XX/2021. I was previously on the covid 19 forbearance plan. I was told by a representative after calling into this company that my loan modification was approved and the new mortgage amount was modified to {$1300.00} and the payment was not due until XX/XX/2021. I was also told to look out for documents in the mail which was my loan modification agreement and was instructed to have the documents signed and notarized and sent back to the company. I did as I was told and in XXXX I called to make the payment and was told that my loan is no longer XXXX and the new amount is {$2100.00}. I was told that I was approved for the partial claim loan modification and I must adhere to the terms of my loan modification agreement. When I pointed out to the services that The language in the loan modification agreement that I signed does not match the partial claim loan modification plan they acknowledge the error and keep telling me that they are evaluating my case and expedited it to a supervisor for review and corrections. I have asked this company to provide all documents pertaining to the partial claim loan modification including the promissory note for the partial claim portion of the loan. To date I have not received it. I am concerned because although the company is telling me verbally that I have been approved and is reviving the covid 19 partial claim loan modification my new mortgage pay reflects that I am on a regular loan modification and not the partial claim loan modification. In addition I have not received as per request proof from their company that I am receiving this partial claim loan modification. Please help me with obtaining proof that I am in fact on the partial claim loan modification In written form so that I can see how my loan was changed. My name is XXXX XXXX my loan number is XXXX. I can be reached at XXXX, 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 2021-08-06 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: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Chime Financial Inc
State: AL

Complaint narrative:
I contacted chime regarding a charge for derive that was required to be made XXXX for a service used in XXXX. I was informed by the merchant that I would mot be able to utilize service even though Id already paid the fees. I filed a dispute on XXXX with chime, in less than 24 hours chime declined my dispute. I immediately called chime and spoke with an individual who could not speak English very well, she began speaking in XXXX and eventually hung up. I was told they did not find any wrong in the claim but they denied it less that 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.

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 2021-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance has been requested to provide an affidavit to confirm they are still in possession of the original promissory note and that it was not used as value to a check. Also, that the loan was funded by Capital One 's money, capital funds, or money equivalents to pay for the auto loan issued to me. 

I am asking for full disclosure and transparency, which I am fully entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Greetings. I am a Wyndham Hotel Rewards/Barclay card holder. Last holiday season ( XXXX XXXX season ), I continuously received emails from my card company saying I will receive XXXX points for every dollar spent up to XXXX points and if I spent at least {$3000.00} between XX/XX/XXXX and XX/XX/XXXX, I will receive XXXX extra points for XXXX points total if I spent {$3000.00} by XX/XX/XXXX of XXXX. 

I have met my side of the bargain, I spent the money, shopped and now have those {$3000.00} being paid back with interest. However, the credit card company will not meet their part of the commitment. 

They have only credited me XXXX points and not the XXXX total points I was promised. Every time I call Wyndham rewards card, they tell me to contact Barclay. When I contact Barclay, they tell me to talk to Wyndham. Finally now they are sending me a letter saying I should contact them by mail.

I am so tired going back and forth between these two giants. I don't know why this has to become complicated given that their instructions were clear. Nothing to sign up for etc. just spend this amount in this period and get your points. I don't see why this should drag out till now. 

Soon the XXXX holidays will be upon us again and they will tell me " too late now. '' I am here paying back the {$3000.00} I spent plus interest and taking all this time which I do not have back and forth on the phone with them and I am not also now going to start writing letters back and forth now as well. They have been giving me the run around back and forth now for months! 

I need those points for my summer travels, which is why I accepted the offer in the first place. Now I am booking summer travels with new money with no points to help and that is not fair and unacceptable!!!

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 2021-08-06 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: Porania, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX  XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the past two years, chase bank has been incapable of protecting my account from online fraudulent charges. Each time this happens, Im inconvenienced by this, by the lack of funds and having to get a new debit card. My purchases are the same each month, I dont stray from my monthly spending, and am careful with my transactions. This recent occurrence has left me with negative funds and fees from my bank. I filed a claim, was told it was taken care of, only to wake up to the charges being reversed with no notice.

Company response to consumer: Closed with monetary relief