vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Southwest Airline/Chase Credit card has been Declined over 45 times in a 2-3 Month period, even with plenty of credit on card. Have made contact with credit card via phone, app and contacted corporate office with same negative results. Im unable to use the card as per the promo awards. Their fraud/security DEPT. Has being able to fix the card. They want me to call Chase ever time I use the card indefinitely. I feel Discriminated against treating different then other customers who have same card. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
The Collection Company that is trying to collect right now is called Stafford Group & Associates. It seems that the original company was called XXXX XXXX XXXX, whom I have never heard of and the company is no longer in operations. My credit report says that the account was opened XX/XX/XXXX. From what I understand by research XXXX XXXX XXXX is an independent financial services firm helping people to manage and grow long term wealth??? I purchased my current home in XX/XX/XXXX, I would have never looked for a company of this sort, nor did I need them. It seems as though XXXX XXXX XXXX sold a bunch of fraudulent accounts to the Stafford Group and Associates and the have been trying to collect on these accounts and these accounts are showing up on certain Credit Bureau Report and affecting consumers who have no idea what these accounts are about. There are multiple complaints with the XXXX XXXX XXXX that are very similar to mine. Most of them are complaints by consumers stating they have never heard of this company ( XXXX XXXX XXXX XXXX and it just showed up on their credit report by a company called Stafford Group and Associates, who you can not contact. I believe this is one of the phone numbers, XXXX. I believe the address shows up as XXXX XXXX XXXX, XXXX Ca., XXXX. XXXX is telling me to contact them to ask for documents and you can not reach anyone and XXXX is just taking their word that these are legitimate accounts because I disputed on my XXXX Credit Report and they say it came back as legitimate. This is not on any other report except 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 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my XXXX  XXXX XXXX Checking account, using the Bank 's XXXX online banking transfer tool. The recipient Dropdown for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the dropdown was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX dropdown was ( XXXX ) XXXX. I contacted XXXX  XXXX XXXX that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked XXXX  XXXX XXXX to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an M & T Bank account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with M & T and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XX/XX/2021 ) from the investigations Dept. at XXXX  XXXX XXXX saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 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:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I am planning to apply for a loan so please don't make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: VA

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I've been corresponding with the affirm company since XX/XX/XXXX when an unauthorized loan came into my account for the amount of XXXX. I've filled out affidavits I've been in contact with XXXX and affirm XXXX can not give me info because I don't have anything to provide to them to get access such as emails names card numbers etc. Affirm claims they've been investigating this matter.Yet everytime i asked for an update I've been put on hold and no one came back to the call I've emailed and they said hey you have to call us.Yet the last response from them told me i was responsible for this. I'm completely confused on how them letting someone into my account and placing a loan deems them irresponsible.And they asked for another affidavit! Then claimed i never called???? how?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We are first time homeowners. I had applied to Rocket Mortgage, previously known as Quicken Loans for a mortgage. I did pre-approvals with a few different lenders to compare rates including other well known lenders such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX had provided the lowest estimate by far, like almost too good to be true and in fact it was. We had asked a few other lenders if they would match and everyone one of them said it was not possible since the rate was so much lower than anything they had seen. Literally a competing loan officer said " run, dont walk '' to get that rate. 

Rocket Mortgage, loan officer name XXXX XXXX NMLS # XXXX, told us we'd be able to get a rate of 2.0 % with no points for our loan ( including relationship discount w/ XXXX ). We excitedly paid the {$500.00} deposit to lock in that rate. However, when our loan estimate processed, we noticed it was not what we were verbally communicated over the phone. XXXX assured us that everything will be ok but that he did not want to put the real rate in so that we couldn't send it to a competitor. That seemed reasonable to us at the time. 

Slowly things started to unravel. Many calls and emails went to Will to see if he could get our loan estimate updated because we were uncomfortable proceeding with inaccurate information and a lot of money was at stake. He said everything was fine and that his team would take care of it ( see attachment ). Nearly 3 weeks elapsed and still nothing. 

Finally got ahold of someone that looped in his supervisor and when we informed him of the situation he basically told us to get lost. At this point 2.25 % was the best they do, even though we paid for a rate lock and every previous communication was that we would be able to close with 2.0 % no points. At worst this is fraud / predatory / bait and switch / lying / deceit / scam whatever you want to call it. At best, XXXX is a terrible mortgage broker that should have his license revoked. 

Had they communicated at literally any other time that this was not possible, we would have gone with another lender. Now our entire home buying process is in jeopardy because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Capital One notified me via email of a transaction from XXXX XXXX ( my landlord ) in the amount of {$6500.00} that was submitted and rejected on XX/XX/XXXX. According to my balance on XX/XX/XXXX, I had {$8500.00} in that specific account. The landlord 's ledger also showed that the transaction failed on XX/XX/XXXX. 

Because the transaction was rejected despite having available funds, my landlord has begun the eviction process and charged a {$300.00} fee as a result of late payment. I reached out to Capital One over the phone on XX/XX/XXXX at XXXX XXXX  ET and offered to show them the balances they said I had, as well as a screenshot of the ledger from the landlord and to credit me the {$300.00} fee but they said there was nothing they could do. 

I had enough money to cover an essential transaction, Capital One rejected it, and is taking no responsibility to help remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
I received a copy of my credit report back in XX/XX/2021 and realized that there was a collection account from Account Services on my credit report. I mailed them a certified letter # XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have yet to obtain a response from the company. I called their customer service # today and spoke with XXXX XXXX who stated that this bill is still owing ; however, I do not recall obtaining the services. I am requesting again, as stated in my letter dated back in XX/XX/2021, ( that I still have not received a response from ) some sort of documentation that this debt belongs to me.

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 2021-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
disputed with the three credit bureaus and transunion and experian have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$1400.00} Theft XXXX  Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I received a notification that a XXXX payment I made was denied and when I tried to log into the account, it was blocked. I called the bank to unblock the account and they notified me that unfortunately the bank decided to close the account due to alleged " fraud '' and told me that I had to go in person to a branch with the invoices of the transactions made to my account within a week to verify that it was not fraud. I explained in the call that at that moment I was not in the country and that it was impossible for me to go in less than a week, that if they gave me more time I would gladly go with all the proof they were asking for, but they told me no and if I did not show up, they would close my account. 

The week passed and they closed my account and notified me that they would send the check with the funds ( XXXX USD ) of the account to my registered address within 5 to 7 business days, which they never did, and every time I called they repeated the same thing and to date they have not given me anything, and they only repeat the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been paying for identity theft protection through Experian for over a year. When I called, on multiple occasions to utilize their services, they RE-route me to regular customer service and refuse to help or let me speak with a supervisor. I have submitted documents from the FTC to have items removed from my experian credit report through mail and their portal. They will request additional identification with a ticket number but when I submit the documents they immediately close the file. I have never spoken with someone who is willing or able to assist me with the device I have paid fora for have been fighting to have these items removed by myself even though I am paying for this service.

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 2021-09-17 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: FL

Complaint narrative:
Numerous times i have disputed with Experian about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And Experian knows this. And still refuses to removal, or they are simply ignoring this matter.

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 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I often make purchases on behalf of other people ( including minors ) and have had unsolicited pre-paid debit cards arrive at my personal address. It appears this company is taking Order names and pairing it with the billing address to send pre-paid debit cards that can be activated with a phone call. 

I have called to get to the bottom of the issue but have not been able to speak to a representative. The automated phone service asks you to enter the card number to remove yourself from their list, but after reading the feedback on this company I do not trust their system. 

I am not the child guardian, so I can not run a credit check to ensure it is tack from this scheme Netspend is running. The document they send and card all look real - I am just happy it went to my address instead of the minor. She cant even open a checking account at a BANK! The practice by this company is shady.

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 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
these accounts that appear on my credit report are not mine, please check them, they are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XXXX XXXX, I received a call from Santander Consumer USA.1 ( XXXX ) XXXX explaining that this call was monitored and recorded and is an attempt to collect a debt owed, after sending an affidavit of truth to them on XXXX XXXX explaining the inaccurate debt amount and furnishing and sharing information of my personal information to a third party after charging off my account and than reverting it back to its original account to Santander Consumer USA XXXX after speaking to a representative about if the letter was sent to the correct address, I was placed on hold and referred to Santander Consumer Legal team where I was told to fax or mail the affidavit over via fax number XXXX. Instead of the affidavit of truth, an affidavit of rescission was sent explaining the violations in my original contract where my right to rescind the contract was violated, my debt was paid for as a consumer credit transaction and not a loan. As a consumer i am not responsible for this debt and instead compensation for violations are being sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: CA

Complaint narrative:
My XXXX XXXX XXXX lease end date was set for XX/XX/XXXX. Therefore, I went to the dealership, XXXX XXXX XXXX, on XX/XX/XXXX to purchase my XXXX XXXX XXXX  which I had leased through XXXX XXXX. The dealer quoted me a payoff balance of XXXX to purchase my lease. I agreed to have my vehicle financed. 
On XX/XX/XXXX I called XXXX XXXX  to confirm they received the payoff amount and was advised they received a payoff amount of {$19000.00} which is XXXX less than the amount I was quoted. I called the dealer and spoke to finance manager and was advised to call my new finance company, Mechanics Bank. I called them right after and spoke to XXXX who could not help me in getting my financed amount updated due to not having a copy of my contract. She said s she would follow up with me but never did. 
Today ( XX/XX/XXXX ), I called Mechanics Bank again spoke to XXXX and XXXX. Was on the phone for over 1hr and was not able to get a resolution. XXXX did her best to get someone on the phone who could assist me but had no success. Again was promised a call back.

Company response to consumer: Closed with explanation